How ready is your funding file?

There is no single cutoff, because each program weighs credit differently. Challenged credit can still fit invoice-based and purchase order programs.

• Invoice factoring leans on your customers' credit more than yours.
• Equipment financing is secured by the machine, so credit requirements are lighter.
• Working capital leans on monthly revenue and bank activity.
• SBA and term loans expect the strongest credit profiles.
• Not sure where your file lands? Score your readiness in 8 questions.

Term debt is hard before you have history, but a confirmed purchase order from a creditworthy customer or strong receivables can still place.

• Baseline: $25K in monthly revenue, or a confirmed purchase order that gets you there.
• A confirmed purchase order from a creditworthy customer can place without history.
• Strong receivables from B2B or B2G customers can place early through invoice factoring.
• Term debt is rarely available before you have operating history.
• Check your readiness score to see which programs fit your answers.

Often, yes. A bank decline is one of the most common starting points we see.

• Factoring, PO financing, and working capital underwrite your customers, orders, and revenue.
• Equipment financing is secured by the asset, not just your credit file.
• Bring the decline letter if you have it, because it helps us place the file faster.
• Score your file to see where a bank decline matters least.

The exact list varies by program, and our Funding Requirements Checklist walks through it program by program. Most full applications ask for the following.

• 3 to 6 months of business bank statements.
• Current financials: profit and loss plus balance sheet.
• A/R and A/P aging reports.
• Ownership breakdown and government-issued ID for majority owners.
• A short description of the use of funds.
• Score your file first so you gather documents for the right program.

No. The score is directional guidance based on your answers. Real approval, terms, and timing are decided by the funding institution during underwriting.

No. The first call or quick app needs nothing but a few minutes. Clean, current financials matter later because they are what keep a file moving fast through underwriting.