Your revenue does the talking, not just your score

Straight answer

There is no single revenue number that every funder uses. What we can tell you is who we serve: established businesses doing $60K or more a month in revenue, with credit that is not perfect. That is not a hard line. It is the range where revenue-based funding through our partner Merchant Fund Express tends to make the most sense, because the deposits are big enough to support a meaningful amount.

Funding runs from $25,000 to $5,000,000. Where you land in that range depends mostly on your monthly deposits and what you already owe.

Revenue on paper vs. revenue in the bank

Funders do not take your word for it, and they do not need tax returns. They read about three months of business bank statements. That means the number that counts is what actually hits your business account, not what your P&L says.

• Deposits that count: customer payments, card settlements, invoice payments.
• Deposits that usually get backed out: transfers between your own accounts, owner cash injections, loan or advance proceeds.
• Cash businesses: if you take cash and never deposit it, it does not show up. Run your sales through the business account.

What else gets weighed next to revenue

Revenue opens the conversation. These factors shape the answer:

1. Consistency. Steady months read better than one huge month surrounded by quiet ones.
2. Trend. Flat or rising deposits help. A sharp drop gets questions.
3. Average daily balance. Shows whether money sits in the account or leaves the same day.
4. NSFs and overdrafts. Weighed, not automatically fatal. See how NSFs are viewed.
5. Existing obligations. Current advances or loan payments reduce what is left to work with.
6. Credit. FICO 500+ is considered. It matters, but it is not the whole file.

A quick illustration

For illustration only, not our terms: picture two shops that each bring in roughly $70K a month. Shop A deposits between $65K and $75K every month and carries no other advances. Shop B swings from $30K to $110K and already pays down two advances. Same average, very different files. Shop A will usually be looked at for more, and with fewer questions.

For more on how deposits can offset a weak score, read how revenue offsets credit.

Below $60K a month?

You can still apply. The application is 5 minutes and starts with a soft credit pull, so checking does not cost you anything on your report. Just know that smaller deposits usually mean smaller amounts and fewer options. If you are a sole proprietor, you can apply too.

Credit repair is a separate service. You do not need it to apply for funding, and funding does not change your score. Some owners apply now based on revenue and work on credit on the side.

Next step

Pull your last three months of statements, add up the real customer deposits, and then start the 5-minute application. For qualified businesses, funding can arrive in as little as 24 hours. Want the full checklist first? See what funders look at.