Common baseline criteria
Most providers want evidence that the business is operating, generating revenue, and has a bank account that reflects business activity.
- Business bank account
- Operating history
- Monthly revenue activity
Requirements
Business Funding Requirements
Requirements vary by provider, but most business funding reviews start with revenue, time in business, bank activity, and owner information.
Quick answer
Requirements vary by provider, but most business funding reviews start with revenue, time in business, bank activity, and owner information.
No obligation to accept an offer. MerchantRunway is operated by MerchantRunway.com. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
Factors that shape options
Industry, credit profile, existing obligations, cash-flow volatility, and requested amount can affect available terms.
- Higher revenue does not always mean better fit
- Existing advances or loans reduce capacity
- Seasonal businesses need context
How to improve readiness
Owners can improve review quality by submitting complete documents and explaining anomalies before a provider has to ask.
- Separate business and personal funds
- Prepare recent statements
- Know current balances and payments
Documents usually needed
- Recent business bank statements
- Business identification and owner contact details
- Requested amount, intended use, and timing
- Existing funding obligations, if any
How approval is evaluated
Providers may review revenue consistency, deposits, time in business, industry, existing obligations, owner profile, and whether the requested capital fits cash-flow capacity.
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Terms vary by provider