Why it is reviewed
A longer operating history gives providers more data on revenue consistency, seasonality, and repayment behavior.
Time In Business Requirements
Time in business requirements, explained.
Time in business signals stability, but it is reviewed alongside revenue, deposits, and industry rather than as a single pass/fail gate.
Quick answer
Many funding options look for at least 6 to 12 months in business with active revenue, though requirements vary by provider and product. Stronger revenue can sometimes offset a shorter track record.
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.
Newer businesses
Businesses under a year old may still have options, but available structures, amounts, and pricing are often more limited.
What to document
Business formation date, a business bank account, and recent statements help establish your operating history clearly.
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.
View requirementsRelated funding options
Common questions
No. Approval, terms, funding amounts, and time to funding depend on provider review and applicant qualifications.
Related resources
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