Question 1

Do I need an LLC or registered business?

Accepted Answer

Not always, but having a formal business helps.

Many programs require:

• An LLC or corporation
 • An EIN
 • A business bank account

Some revenue-based options may work with sole proprietors, but structure expands your funding opportunities.

Question 2

Do I need good credit to qualify for business funding?

Accepted Answer

No. While good credit expands your options, credit is not the only way to qualify.

You may qualify through:

• Credit-based funding (strong personal credit)
 • Revenue-based funding (consistent business sales)
 • Hybrid programs that review both

If your business generates around $8,000 or more per month in revenue, you may qualify even with bad or fair credit.

Question 3

How much monthly revenue do I need to qualify without good credit?

Accepted Answer

Most revenue-based funding programs look for:

• ~$8,000 or more in consistent monthly sales
 • Regular deposits into a business bank account
 • At least 3–6 months of operating history (varies by lender)

The stronger and more consistent your revenue, the less personal credit matters.

Question 4

What credit score is required to qualify?

Accepted Answer

There is no universal minimum score. Requirements vary by funding type:

• 680+ → strongest access to credit-based funding
 • 620–679 → may qualify with optimization
 • Below 620 → may still qualify through revenue-based or alternative programs

Score alone does not determine eligibility—payment history, utilization, derogatory items, and revenue consistency all matter.

Question 5

What if I’m not ready for funding yet?

Accepted Answer

That’s common. If you’re not ready, you’ll be placed into a Build or Optimization phase, where you’ll receive:

• Clear action steps
 • Credit or revenue targets to hit
 • A timeline to become funding-ready

The goal is to avoid denials and maximize approval odds.

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Funding Strategies (Personal & Business)

Advanced Dispute Methods & Systems

Build Your Own Funding Business

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