Eligibility
Find out in one minute — not after a hard pull
The requirements are simple enough to publish as two lists, so we publish them as two lists. If you land on the wrong side today, the alternatives at the bottom of this page are genuinely better moves than forcing a loan.
Qualification lists
You'll likely qualify with
- 12+ months in business under the same ownership
- $15,000+ average monthly business revenue
- 620+ personal FICO score for the guaranteeing owner
- US-registered business with an EIN and a business bank account
- Owner is 18+ and a US citizen or permanent resident
- No open bankruptcy and no active default on other business debt
Meeting the list gets you an offer to consider, not an automatic yes — an underwriter still confirms the cash flow supports the payment.
We'll say no — today — if
- Businesses younger than 12 months — we know that's a hard season; see the alternatives below
- Average monthly revenue under $15,000
- Personal FICO below 620 for every owner with 20%+ ownership
- An open bankruptcy, or a discharge within the last 2 years
- Two or more outstanding cash advances — stacking debt on debt rarely ends well
- Restricted industries (listed below)
A "no" from us always comes with the reason and the shortest path to a future "yes."
Policy lines
Industries we don't lend to
Regulatory, banking-partner and risk constraints — not judgments. If you're on this list, an industry-specialist lender will serve you better than we can.
- Adult entertainment
- Firearms & ammunition dealers
- Gambling & betting
- Cannabis (while federally scheduled)
- Cryptocurrency exchanges
- Money services & check cashing
- Multi-level marketing
- Speculative property flipping
- Pawn shops
- Nonprofits — grant funding is usually the better fit
If today's answer is no
Better moves than forcing a loan
Borrowing isn't right for every situation — and "not yet" is a real answer, not a sales tactic. Here's what we'd tell a friend in each spot.
Under 12 months in business
SBA microloans (up to $50,000 through nonprofit intermediaries) and community development financial institutions (CDFIs) are built for year one. A free SCORE mentor can point you to the local ones.
Revenue below the floor
A business credit card for small, short cash gaps — paid in full monthly — usually beats a term loan at this stage. Focus on six months of consistent deposits, then requalify.
Credit below 620
Secured credit builders and on-time trade lines move a score faster than most people expect. Six to twelve clean months often crosses the line.
Funding a loss, not a plan
If the loan would cover ongoing operating losses, more debt deepens the hole. Talk to a small-business advisor about the underlying economics first — it's a better conversation than a payment schedule.
On the right side of the lists?
Twelve minutes, soft pull, and the estimate updates as you type.