Business Loan Requirements by Product

A single table of every published minimum — FICO, time in business, revenue — so you can find your yes before you apply.

Every product below has published minimums. They are floors, not promises — clearing them means you are eligible to be underwritten, not that you are approved. But knowing them tells you exactly which door to knock on first, and stops you burning a week applying for something you cannot qualify for.

How to read this table when you do not clear a line

Credit is the problem. Go down the collateral ladder. Equipment financing at 580. Factoring, purchase order financing and revenue-based products at no minimum. Credit stops mattering as soon as something else secures the deal.

Time in business is the problem. Equipment financing, startup funding and purchase order financing all have no time-in-business minimum. Under two years, equipment approvals are capped at $50,000 — which is still a truck.

Revenue is the problem. Startup funding and equipment financing have no revenue minimum. If you have signed orders but no revenue yet, purchase order financing is built for exactly that.

You clear everything and still got declined. Then it is something in the statements — negative days, existing debits from other funders, or deposits that fell off a cliff last month. Those are fixable, usually within 60–90 days, and worth fixing before reapplying rather than shopping the same file to twelve more lenders.

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer. Reviewed and maintained by the Goldspur Capital funding desk. This is general information about commercial finance products, not financial, legal or tax advice for your specific situation.