CAPITAL GROUNDWORK
Common Business Loan Requirements
There is no universal set of business loan requirements. Eligibility depends on the lender, financing product, business, owners, amount requested, and underwriting process.
Common factors
- Time in business
- Revenue and cash flow
- Business and/or personal credit
- Existing obligations
- Amount requested and use of funds
- Financial records
- Collateral or guarantees where applicable
- Industry and product-specific requirements
Credit requirements vary
A single minimum credit score should not be presented as an industry-wide rule. Verify the actual requirements of the financing product you are considering.
Documents can matter
Providers may request bank statements, tax information, financial statements, ownership information, or other records depending on the financing.
FREE CHECKLIST
Thinking about business funding?
Organize your funding goal, financial information, documents, credit considerations, and questions before you compare financing.
Get the Funding Readiness ChecklistCompare business funding options → · Explore business funding →