Funding Requirements Overview
Most funding applications are denied not because of the business — but because the applicant wasn't prepared. Here's what lenders actually look for.
Where does your score stand?
Your personal credit score is one of the first things a lender checks, even for business loans. Here's how lenders typically view each range.
Qualifies for most funding programs including SBA loans, business lines of credit, and equipment financing at competitive rates.
Eligible for many business loan products. Some lenders may require additional documentation or offer slightly higher rates.
Approval is possible with strong revenue and business history. Alternative lenders may be more accessible than traditional banks.
Credit repair is strongly recommended before applying. Most institutional lenders will decline at this range.
Don't meet the threshold yet?
Our credit repair programs are specifically designed to get business owners funding-ready. Most clients see meaningful improvement within 60–120 days. Schedule a free consultation →
Are you funding-ready?
Run through this checklist before submitting any application. Each item meaningfully affects your approval odds.
Documents you'll need
Having these ready before you apply signals preparedness and speeds up underwriting significantly.
Business Tax Returns
Last 2–3 years of federal business tax returns (Form 1120, 1120S, or Schedule C).
Personal Tax Returns
Last 2 years of personal federal tax returns for all owners with 20%+ ownership.
Profit & Loss Statement
Year-to-date P&L statement prepared by a CPA or accounting software, dated within 60 days.
Balance Sheet
Current balance sheet showing assets, liabilities, and equity.
Bank Statements
3–6 months of business bank statements demonstrating cash flow and revenue consistency.
Business License
Active business license or articles of incorporation confirming legal standing.
Tip: Our Funding Portal allows you to upload and organize all documents securely in one place. Once submitted, our team reviews them and advises on any gaps before you apply. Access the portal →
Let's get you funding-ready.
Start with a free consultation. We'll review your profile and tell you exactly where you stand.