What are your minimum time-in-business and monthly revenue requirements?

Underwriters care most about stability of deposits, not just credit scores.

Typical baselines (these vary by provider) are:

• At least 6–12 months in business
• Several months of consistent revenue (ideally with no long gaps in deposits)
• A minimum average monthly revenue threshold

If you’re very young as a business, you may still qualify with strong recent growth and clear bank data, but your first advance might be smaller.