What it takes to qualify for $50K, $100K, $250K or $500K: the basics every amount shares, which programs cover each amount, and what helps a larger request.
| Short-term funding | Line of credit | Long-term funding (US only) | |
|---|---|---|---|
| $50K | Yes | Yes | Yes |
| $100K | Yes | Yes | Yes |
| $250K | Yes | Yes (top of range) | Yes |
| $500K | Yes | No (up to $250K) | Yes |
Which programs: All three programs can cover $50K. A line of credit suits ongoing costs, short-term funding suits one defined need, and long-term funding spreads a larger plan out.
What helps: Steady monthly deposits that comfortably cover the payment, and a bank account that shows the revenue.
Check eligibility for $50KWhich programs: All three programs can cover $100K. The right one depends on whether the cost is one-time or recurring and how quickly you would repay.
What helps: Consistent deposits across your recent statements, and room in your cash flow after existing payments.
Check eligibility for $100KWhich programs: A line of credit tops out at $250K, so this is the upper end of that program. Short-term and long-term funding also cover it.
What helps: A longer, steadier revenue history and a payment that fits your cash flow with existing obligations included.
Check eligibility for $250KWhich programs: Short-term funding (up to $1M) and long-term funding (US only, up to $3M) cover this amount. A line of credit does not. In Canada, long-term funding is not available.
What helps: Strong, consistent revenue, a payment the business can carry, and complete documents so the review moves without delays.
Check eligibility for $500KThe same review applies at every amount. See the documents we may ask for.
Most businesses qualify with $20,000 or more in average monthly revenue, at least 12 months in business (6 in Canada) and an active business bank account.
The documents are the same: recent business bank statements and a soft credit check to start. Larger amounts may need more detail, and your funding manager will tell you what is needed.
No. Checking uses a soft credit pull. A hard check may be needed later for some programs and you will be told first.
Short-term funding covers amounts up to $1M in the US and Canada. Long-term funding is available to US businesses only.
Your funding manager helps you choose. Our business loans page compares all three side by side.
Check your eligibility in about a minute with a soft credit check. No obligation.