Approval decisions can feel like a black box, but most funders weigh a familiar short list. Knowing it helps you present your business in the best light.
The core three
- Revenue. Consistent, verifiable revenue shows you can support payments. Many products size the offer to a share of monthly or annual revenue.
- Time in business. A longer track record lowers perceived risk and opens more options, including lower-cost products.
- Credit. Both business and personal credit can factor in, signaling how you have handled obligations before.
What else moves the needle
Cash-flow stability, industry, existing debt, and the purpose of the funds all play a part. A clear, specific use of funds — and evidence it will generate a return — strengthens any application.
Match the product to your profile
If one box is weaker, another product may still fit. Shorter-history businesses often start with revenue-based options; established, high-credit businesses unlock term loans and SBA programs.
See which options tend to match your profile with Find Your Funding Fit.