Funding Programs
Review the general qualification guidelines below. Examples are not guarantees; approval, amounts, rates, and terms depend on each lender and applicant profile.
Personal Funding
Explore personal credit lines and promotional APR card options based on your credit profile. Availability, limits, rates, fees, and approval are determined by lenders.
Personal Funding
$10K – $100K
Credit Requirements
Credit score 680+ preferred
Credit utilization under 30%
No recent bankruptcies
Limited recent hard inquiries
Other Requirements
Stable income
US resident with SSN
Business Funding
Prepare for business funding applications with credit-profile review, application timing, and lender-readiness guidance. Approval is never guaranteed.
Business Funding
Stage 1 Funding
$25K – $250K
Personal Credit
680+ FICO score
Less than 4 inquiries per bureau (last 12 months)
No negative items (collections, late payments, child support, bankruptcies, charge-offs)
3–5 active credit accounts
Minimum 2 years credit history
Business Requirements
LLC 1 year or older preferred
New LLCs over 3 months may qualify
Optional Documentation
Tax returns or pay stubs showing $65K+ annual income
Business Funding
Stage 2 Funding
$250K – $1M
Personal Credit
720+ FICO score
Less than 4 inquiries per bureau (last 12 months)
No negative items (collections, late payments, child support, bankruptcies, charge-offs)
3–5 credit accounts
Minimum 2 years credit history
Business Requirements
2+ years of business tax returns
3–6 months business bank statements
$250K annual revenue minimum
Up to $2M+ yearly revenue increases available credit lines
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