Get funded because you're actually ready.
Missing paperwork is a common reason funding requests get declined. Here's what real lenders look for and how to arrive ready.
Five signals. Underwriters typically look at all five.
Personal credit profile
For many small-business capital requests, personal credit still plays a role in underwriting. Score bands, utilization, and derogatory items are the first read.
Revenue & bank deposits
Trailing 3–12 months of business bank statements. Lenders read deposit volume, deposit consistency, and negative-day counts.
Debt service coverage
Existing loan and card obligations relative to income. High existing debt service caps how much additional capital a lender will offer.
Time in business + entity age
Most product classes want to see a track record in business, with better pricing generally opening up as that history grows. Entity age is measured from formation date, not from your first deal.
Industry & use of funds
Some lenders exclude real estate services or apply different pricing. A clear, honest use-of-funds statement (marketing, working capital) is standard.
Bring these to the call. Skip the follow-up.
- Personal credit pulled and current within 30 days
- Business bank statements — last 3, 6, and 12 months exported (PDF)
- Formation docs + EIN letter in one folder
- Government ID matching entity signer name exactly
- Voided business check or bank letter with routing/account
- Current schedule of business debts (balances, monthly payments)
- Use of funds written in 2–3 sentences before your call
Book a free funding consultation.
A vetted funding partner walks your file with you, tells you what's fundable today, and outlines what to fix if it isn't. No pitch, no pressure.
Funding referrals may earn us a fee only if you receive funding — it never increases your cost. The funding partner you're referred to may also receive their own commission or fee as part of the transaction. Any such fees are part of standard funding-industry compensation and are disclosed by the funding partner directly.
[GHL_EMBED: funding-consult]By booking, you agree to receive calls/texts about your consultation. Consent is not a condition of purchase.
Education only. We are not a credit repair organization and never charge for credit advice. Funding referrals may earn us a fee only if you receive funding — it never increases your cost. The funding partner you're referred to may also receive their own commission or fee as part of the transaction. Any such fees are part of standard funding-industry compensation and are disclosed by the funding partner directly. Never borrow to buy marketing. Results vary; leverage carries risk.
This program is for building toward a purchase or growing a business. It is never offered as foreclosure or mortgage-default help. If you are behind on your mortgage, we can only assist as your licensed real estate agent.
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