Minimum Requirements
Most Bank Financing Requires:
2 Years of time in business
$100,000 in Annual Gross Revenue
680+ Personal FICO Score 620 FICO SBA available
No recent Bankruptcies/Foreclosures /Liens/Litigation
3-year Taxes (Personal and Business)
2025 P&L and Balance Sheet
Debt Schedule (See attached)
6 months Bank statements
* In some instances, we can assist in improving the above areas. Speak with one of expert consultants today.
Merchant Cash Advance Guidelines:
1-2 Years in business
$25,00 Monthly Gross revenue
500+ Personal Fico Score ( soft credit pull only)
No recent Bankruptcies/Foreclosures /Liens/Litigation /Defaults
4-6 Months Bank Statements
1- Month credit CardProcessing Statement
required Documents
apply for smart moneyApplication
3-year Taxes (Personal and Business)
2025 P&L and Balance Sheet
Debt Schedule (See attached)
6 months Bank statements
Debt Schedule
Drivers License
Approval/ Funding Time
Processing is predicated on your personal credit history, commercial credit history, existing debt, and financial strength, among other contributing factors. For qualifying loan and line of credit applications up to $250,000, you can generally expect funding in 15 business days or less.
Once we receive your complete loan application package, you can typically receive bank approval within 3-5 business days.
For more accurate processing timelines specific to your application, please set a meeting with our team using the link below.
we offer
We offer :
MERCHANT CASH ADVANCE
Lines of Credit
Term Loans
SBA Loans
AR Financing
Acquisition Loans
Equipment Financing
Factoring
Debt Structuring & Refinancing
Partner Buyouts
Commercial Real Estate
