Time in business tells a funder your revenue is a pattern, not a moment. Built for established businesses doing $60K+ a month.
See what fitsQualifying for Funding
Through our partner, Merchant Fund Express, established businesses can apply with about three months of statements and a short application.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
About 3 months of business bank statements and a 5-minute application. No tax returns, and qualified files can fund in as little as 24 hours.
FICO 500+ is considered and you start with a soft pull. Steady deposits over time speak loudly.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out up front, so you can plan the next phase of growth around it.
A funder repaid from future revenue wants confidence that revenue will continue. Time in business is a rough proxy for that: it shows you have handled seasons, slow months, and supplier changes and kept the doors open. It is weighed together with deposits, balances, credit, and existing obligations. There is no single number that settles it.
We work with established businesses typically doing $60K or more a month. Startups without revenue are not who this offer is built for.
The application asks for about three months of business bank statements. Those months show current revenue. Your stated time in business tells the funder how far that pattern extends. Together they answer two questions: how much comes in now, and how long has it been coming in.
| What they see | What it suggests |
|---|---|
| Steady deposits across all three months | Revenue that is not a one-off |
| Business operating through multiple seasons | Experience managing cycles |
| Recent sharp jump in deposits | A question worth explaining |
A dental practice operated for years as a sole proprietorship, then formed an LLC eight months ago. The entity is new; the business is not. Explain the history so the reviewer sees the full track record.
An owner bought an existing bakery doing $90,000 a month. The prior operating history matters, and so does how the transition has gone.
A staffing firm went from $40,000 to $150,000 a month in a year. Growth is good, and a funder will want to see that the recent months are sustainable.
Examples are for illustration.
Owners on a growth track can make time work for them. Keep all revenue in one operating account so the pattern is visible, open business accounts that report to business credit bureaus, and keep personal and business spending apart. Our business credit guide lays out the steps. Credit work and funding are separate, and you can apply now based on revenue.
Through our partner Merchant Fund Express: $25,000 to $5,000,000, FICO 500+ considered, a 5-minute application with a soft credit pull to start, and no tax returns required. Sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses. Start your application, and see revenue required for business funding for the other half of the picture.
We do not publish a hard cutoff. Time in business is weighed with revenue and the rest of the file. Our offer is built for established businesses.
Not necessarily. If the business operated before the entity was formed, explain that history in your application.
About three months shows current revenue patterns. Time in business tells the reviewer how long that pattern has run.
This offer is designed for businesses with established revenue, typically $60K or more a month.
No tax returns are required to apply.
Example uses for illustration only.
Every month of clean history strengthens the pattern funders look for.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding