All Products
General Baseline Requirements
These minimums apply across most programs. Individual programs may require more depending on the deal and the borrower profile.
If you fall below any of these thresholds, contact us before assuming you do not qualify.
3 Months
Min Time in Business
500+
Min Credit Score
$10,000+
Min Monthly Revenue
$0
Upfront Fees to Surge
Business Funding
Business Funding Requirements
Each product is designed for a different business profile and funding need. Stronger profiles qualify for higher amounts, better rates, and faster approvals.
Business Term Loans
12 or more months in business
$20,000 or more in monthly revenue
620 or higher credit score
No open bankruptcies
US-based for-profit business
Business Line of Credit
12 or more months in business
$15,000 or more in monthly revenue
650 or higher credit score
Active business bank account in good standing
No recent excessive NSFs or negative banking history
SBA Loans
2 or more years in business
$30,000 or more in monthly revenue
650 or higher credit score (680 preferred for full program access)
US-based for-profit business
No federal tax liens or delinquencies
Personal guarantee required
Equipment Financing
12 or more months in business
600 or higher credit score
Equipment invoice or vendor quote required
Equipment must serve a legitimate business purpose
Startup programs available on select equipment types with 680 or higher credit score
Revenue Based Financing
6 or more months in business
$10,000 or more in monthly revenue
500 or higher credit score
Consistent monthly deposits required
Active business bank account with no excessive NSFs
Invoice Factoring
Active B2B business with outstanding invoices
Invoices must be issued to commercial or government customers
No minimum credit score required on most programs
No minimum time in business required on most programs
Invoices must be for completed work or delivered goods
Real Estate Financing
Real Estate Financing Requirements
Real estate programs are underwritten primarily on the property and the deal structure. Personal income documentation is not required on most programs.
Bridge Loans
Property serving as primary collateral
Clear exit strategy required (refinance or sale)
Up to 80% LTV on qualifying transactions
Rates from 7% depending on asset type and LTV
Terms from 6 to 36 months
No minimum credit score on many programs
Residential investment and commercial properties eligible
Hard Money Loans
Property serving as primary collateral
No minimum credit score required on most programs
No income verification required on most programs
Up to 90% of purchase price on qualifying deals
Up to 100% of rehab costs on qualifying deals
Up to 75% of after-repair value
Terms from 6 to 24 months
Clear exit strategy required
Fix and Flip Loans
Property scope of work and renovation budget required
Up to 97% LTC on qualifying deals
Up to 100% of rehab costs on qualifying deals
ARV cap at 75% of after-repair value
620 or higher credit score on structured programs
No minimum credit score on private programs
First-time investors eligible on most programs
Terms from 6 to 24 months
DSCR Loans
Investment property only
Minimum DSCR of 1.0 on most programs (gross rent must cover monthly mortgage payment)
Sub-1.0 DSCR available on select programs with compensating factors
620 or higher credit score required
Up to 80% LTV on purchase
Up to 75% LTV on cash-out refinance
No personal income documentation required
30-year fixed terms available
Ground-Up Construction
Detailed project plans and construction budget required
Qualified general contractor with verifiable credentials required
Up to 95% LTC on residential programs
Up to 85% LTC on commercial programs
Up to 75% of after-construction value
620 to 680 credit score depending on program
Developer experience preferred
First-time builders eligible on select programs with strong contractor credentials
Terms from 6 to 24 months
Non-QM and Bank Statement Loans
12 or 24 months of personal or business bank statements
No W-2 or tax returns required on bank statement programs
620 or higher credit score on most programs
Up to 90% LTV on select programs
Available for primary residences, second homes, and investment properties
Foreign nationals eligible on most programs
Self-employed, investors, and commission-based earners all eligible
Commercial Real Estate: Short-Term Programs
Property serving as primary collateral
Clear exit strategy required
Up to 80% LTV depending on asset type and stabilization
Rates from 7.99% on qualifying transactions
Terms from 6 to 36 months
Minimum loan amount $150,000
All commercial property types eligible
Commercial Real Estate: Long-Term Permanent Programs
Stabilized property with consistent occupancy and income required
Minimum DSCR of 1.10 to 1.20 depending on program
Up to 80% LTV on agency multifamily programs
Up to 75% LTV on CMBS programs
Minimum loan amounts from $750,000 for agency programs
CMBS and life company programs typically require $2,000,000 minimum
SBA 504 available for owner-occupied commercial real estate up to 90% LTV
Documentation
What Documents Are Required?
Documentation requirements vary by product. Your advisor will confirm the exact checklist for your specific deal before you submit anything.
For Business Funding
Most programs require
3 to 6 months of recent business bank statements
Completed application with basic business information
Government-issued photo ID
Voided business check
Additional requirements for specific programs
SBA loans and term loans require 2 years of business and personal tax returns, year-to-date profit and loss statement, and balance sheet
Equipment financing requires an equipment invoice or vendor quote
Invoice factoring requires copies of outstanding invoices and customer contact information
Lines of credit may require additional financial statements depending on loan size
For Real Estate Financing
Most programs require
Property address and description
Purchase price or current estimated value
Your exit strategy
Most recent 2 to 3 months of personal bank statements
Additional requirements for specific programs
Fix and flip and hard money require scope of work, renovation budget, and comparable sales supporting ARV
Ground-up construction requires full project plans, construction budget with contingency, and contractor credentials and insurance
DSCR loans require current lease agreement or market rent analysis from the appraiser
Non-QM bank statement loans require 12 or 24 months of personal or business bank statements
Commercial real estate requires current rent roll, trailing 12-month operating statement, and property photos
Entity documents (LLC, corporation, or trust) required on all investment property transactions
Not Sure?
Not Sure If You Qualify?
Requirements above are general baselines. Many borrowers with credit challenges, shorter time in business, or complex deal structures still have options available. Contact us before ruling yourself out.
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Upfront fees
Same Day
Term Sheet on Most Deals
All 50
States covered