Process and How it Works
Personal Funding Qualifications
Gap Funding & Private Money Requirements (Individual/Guarantor)
To qualify for our Gap Funding and Private Money programs, applicants must meet the following criteria:
Credit score: 680 or higher
Credit history:
Minimum 2 years of clean credit history
No new credit accounts opened within the last 6 months
Total revolving utilization at or below 60%
0 hard inquiries on all credit bureaus in the last 6 months
Residency & citizenship:
Must live in the United States
Must be a U.S. citizen Age requirement:
Under the age of 75
Employment:
Currently employed in the same job for at least 6 months
No breaks in employment in the last 12 months.
Business Capital Raise Qualifications
Business Funding – Capital Raise Requirements
For businesses under 2 years old (Startups):
Entity age: Under 2 years in operation
Treatment: Considered a startup Maximum capital raise: Up to $200,000
Ownership: U.S. citizen owner(s) meeting personal credit criteria above
For businesses 3–5 years old and established entities:
Entity age: 3 to 5 years or more
Documentation required:
2 years of business tax returns
Last 3 months of business bank statements
Minimum $10,000 per month in business deposits
Business credit:
Existing business tradelines are a plus and may improve terms and approval amounts.
How the process works
Step 1 – Pre‑qualification Complete our secure online pre‑qualification form with your personal details, business information (if applicable), and funding goals. We perform a soft review of your profile based on our program criteria.
Step 2 – Documentation & Review Submit requested documents (ID, proof of income, bank statements, business tax returns, and entity documents where applicable). Our underwriting team reviews your credit profile, employment stability, and business performance.
Step 3 – Approval & Funding Structure If approved, we structure a customized funding package, which may include multiple lines or accounts to achieve your target total (gap funding, private money, and/or capital raise).
Step 4 – Funding Upon acceptance of terms, funds are disbursed according to the agreed structure and timeline. In many cases, qualified clients can receive access to funding in a streamlined timeframe.