Funding readiness checklist
60-second TL;DR
Lenders want to see consistent revenue, clean bank history, and basic docs. Organize these before applying to speed approval and improve terms.
Core ideas
- • 3–6 months of bank statements (business, ideally personal too)
- • Revenue consistency: no steep drops, avoid NSF/overdrafts
- • Time in business: 6+ months for MCA; 1–2 years for term loans
- • Basic docs: ID, EIN, business registration, P&L or tax returns if asked
- • Clear purpose: know why you need the capital and how you'll use it
Next steps
Capital works best with operations and continuity in view — not in silos.