Programs / Requirements

Match the business to the right funding path.

The program information below is organized from the Credit Quack partner cheat sheet supplied for this website. Use it as a planning guide, then confirm current underwriting, pricing, and documentation with the lender or financing provider before relying on a program term.

Download Original PDF ↗ Funding Guidance →

Business owners reviewing financing options

9 Program Categories

From SBA and term financing to revolving credit, working capital, equipment, assets, and receivables.

Readiness first

Requirements differ by product, including time in business, revenue, FICO, utilization, collateral, receivables, and documents.

Underwriting decides

Published guide numbers do not replace lender underwriting, final pricing, approval, or current program terms.

2-4 week turnaround

The supplied partner guide lists a 2-4 week turnaround time for the bank-line / 0% business-credit-card section.

Business Funding Programs

Compare the benefits and qualification points in the supplied guide.

Ask About Program Fit →

01 / Long-Term Business Financing

SBA Loan

Unique Benefits

+5-25 year terms

+Government-backed funds

+Refinance existing business debt

+Prime Rate + 1-3%

+Up to $5,000,000

Qualifications / Documents

✓2 years time in business

✓660+ FICO

✓$120,000+ gross revenue

✓Profitable on tax returns

Discuss SBA Loan →

02 / Revolving Business Access

Line of Credit

Unique Benefits

+6-24 month amortization period

+Weekly or monthly payments

+Up to $750,000

+True revolving line

Qualifications / Documents

✓6 months time in business

✓$240,000+ gross annual revenue

✓600 FICO

✓4 months business bank statements

Discuss Line of Credit →

03 / Structured Business Capital

Business Term Loan

Unique Benefits

+1-3 year terms

+Monthly payments

+Up to $10,000,000

Qualifications / Documents

✓2 years time in business

✓650+ FICO

✓$300,000 gross annual revenue

✓4 months of business bank statements

Discuss Business Term Loan →

04 / Shorter-Term Operating Capital

Working Capital

Unique Benefits

+24 to 48 hour funding

+6 to 36 month terms

+No minimum FICO

+Up to $10,000,000

Qualifications / Documents

✓6 months time in business

✓No minimum FICO

✓$100,000 gross annual revenue

✓4 months business bank statements

Discuss Working Capital →

05 / Equipment-Focused Financing

Equipment Financing

Unique Benefits

+No industry restrictions

+3-7 year terms

+Fixed rates starting at Prime Rate

+Monthly payments

+Can fully write off equipment as expense for tax purposes

+No dollar cap

Qualifications / Documents

✓1 year time in business

✓650+ FICO

✓$250,000 gross annual revenue

✓Invoice

Discuss Equipment Financing →

06 / Financing Against Eligible Assets

Asset Based Lending

Unique Benefits

+Revolving line of credit

+Monthly payments

+Advance amount up to 90%

+APR between 5 and 15%

Qualifications / Documents

✓Real estate or heavy equipment

✓1 year time in business

✓Must fully own leveraged asset

✓$250,000 minimum valuation

✓600 minimum FICO

Discuss Asset Based Lending →

07 / Accounts Receivable Financing

A/R Line of Credit

Unique Benefits

+Revolving line of credit

+Facility size $200,000 - no cap

+Rates Prime + 2%

+Up to 95% financing of current A/R

+No minimum FICO

Qualifications / Documents

✓Minimum $75,000 open receivables on 30-60 day terms

✓1 year time in business

✓$500,000 annual gross sales

Discuss A/R Line of Credit →

08 / Traditional Revolving Bank Credit

Bank Line of Credit

Unique Benefits

+True forever revolving line of credit

+Access to cash in a moment’s notice

+Prime rate + 2-4%

+Monthly payment is 1-3% of the balance on the line

+Monthly payments

+Co-signer friendly

Qualifications / Documents

✓680+ FICO

✓Below 25% utilization on all revolving credit lines (guide notes pre-approval may still be possible when over-utilized)

✓2 year minimum time in business

✓Tri-merge credit report

Discuss Bank Line of Credit →

09 / Business Credit Card Strategy

0% Interest Business Credit Card

Unique Benefits

+6-24 months of 0% APR

+Builds business credit

+Does not affect personal credit utilization or report to personal credit

+Builds relationships with major banking institutions

+Can be drawn to cash while retaining 0% interest

+Monthly payments

+No industry restrictions

Qualifications / Documents

✓680+ FICO

✓Below 25% utilization on all revolving credit lines (guide notes pre-approval may still be possible when over-utilized)

✓No minimum time in business

✓No minimum revenue

✓Tri-merge credit report

Discuss 0% Interest Business Credit Card →

Important Program Note

Treat the guide as a qualification map - not a financing guarantee.

Rates, APRs, maximum funding amounts, payment schedules, timelines, underwriting criteria, documentation, and program availability can change. Final approval and terms are determined by the lender or financing provider. Credit Quack can help with readiness and program guidance, but does not control lender underwriting decisions.

Funding Guidance → Contact Credit Quack →