Every program has its own box-checking, but underneath, lenders are answering one question: can this business comfortably repay? Here's what actually moves a file, regardless of product.
Cash flow over credit score
For lines of credit and working capital especially, recent business bank statements matter more than a personal credit score. Lenders want to see consistent deposits and enough monthly headroom to service the payment. A strong revenue picture routinely outweighs an imperfect credit history.
Time in business and stability
Longer operating history widens your options and lowers your cost. SBA leans on two-plus years and a clear, legitimate use of funds; working capital can work with as little as six months. Stability — steady revenue, no recent defaults — is the throughline.
A clean, complete file
The single biggest controllable factor is packaging. Missing documents, inconsistent figures, or an unclear use of funds slow everything down and turn approvable deals into declines. A file assembled the way the lender wants to see it gets a faster, better answer — which is the part we handle for you.
Get your last three to six months of business bank statements ready, know your rough monthly revenue, and be clear on what the money is for. With that, we can tell you quickly and honestly where you stand.
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