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Business Loan Requirements

Get the right financing with industry-leading small business funding online.

Apply for Financing

Complete a few simple questions online to schedule your consultation and an expert funding advisor will reach out ASAP.

Get Approved

Receive an approval, most of the time within 48 hours. Review your funding options, select an offer, and receive your funds.

Receive Funds

Verify any missing information, approve your funding package and have funds wired directly to your bank account.

Business Loan Requirements.

One of the most common questions we receive is “What are the business loan requirements?”


Most companies simply mention the need for 3-6 months bank statements, an application, and proof of ownership. But does this really answer the question well? Answer is NO.


First of all, there are several types of programs. Short term funding, business line of credit, term loan, and MCA consolidation. All of which have some different requirements which are all outlined on our types of funding page. The goal is to make sure business owners do understand the requirements, to help avoid wasting their own time.


The most important business loan requirements:


  • Must use a business checking account. We see often the use of personal accounts, which may seem easy and with no downside, however until money is going into a business account, it will never be considered actual revenue. The easiest solution is taking your business license, or SS4 form from the IRS to your bank, and asking to open one. This is a great idea for many reasons outside of getting funding.
  • Must be generating revenue. there is no HARD line number, but anything under $5000 a month in deposits generally speaking will not get much. Depositing over $10,000 a month will ensure you have access to many more programs, and create more success in funding your business. This is one of the most important business loan requirements, as programs are not in place for starting a business or restarting one.
  • The 3 months bank statements. It is true, everyone will ask for this no matter who you apply with. What is required, is consistently hitting the above mentioned deposit numbers, into a business account. Generally speaking, 2-3 deposits per month should be the minimum to have success.
  • Time in business. This one is one of the top business loan requirements, and not one that you can do much with outside of wait. To get started 6 months in business is required. At 1 year, better opportunities open, and at 2 years all options open up. Our expert funding advisors have a stellar track record of helping walk every client through all the ins and outs of how time in business will impact their exact scenario, and is one of the most valuable aspects of working with Strong Capital Funding over others.
  • Personal Credit. Yes, also true here, your personal credit matters. With a lot of inaccurate information floating around the internet, it is important to know that your credit will dictate what you can and can’t do in business funding. You can get funded even with credit in the 500s, but other factors have to look good, such as strong time in business, strong revenue etc.


As you can see, there is more to business loan requirements than simply sending a company a few bank statements. Strong Capital Funding takes great pride in our educational funding process, helping you, the business owner, position yourself for the best success. If you would like to speak in more detail on these topics, please go ahead and request a consultation and an expert funding advisor will reach out ASAP.

Request a free consultation to explore small business loan programs, or consolidation options, without the bait and switch headaches you are used to

No Bait and Switch

No Fees

No Games

No Undisclosed Terms




A streamlined paperless application with quick processing allows you to focus on running your business.


The best financial technology in alternative lending. Funds deposited in as little as 24 hours following approval.


Strong Capital Funding has worked with thousands of businesses since 2016. We strive to build relationships that last.


From initial application to future funding needs, your dedicated funding manager is here to help you and your business.


We believe in a no non-sense, no bait and switch approach, no sales pitches with us


Tailored terms to meet your needs. Strong Capital Funding is only interested in positioning your business for success.

Discover more about our marketleading small business funding options by calling 888-505-2595 today. 

Our Commitment To You

Strong Capital Funding was founded on full transparency, honesty, and integrity. We pledge to a hassle free, easy, relationship driven process. Unlike the others, we take this very seriously, and commit to the best process available in the small business loan industry. Our agents have all agreed to a strict code of conduct, and you can be assured the process will be seamless, with securing your information as our top priority