Business Funding Eligibility Calculator
Find out which funding products your business qualifies for. Adjust your business profile below to see personalized results across 9 funding types — no credit pull, no commitment.
Your Business Profile
Your Eligibility Results
Based on $50K/month, 680 credit score, and 2-5 years in business.
SBA 7(a) Loan
Lowest rates and longest terms, backed by the U.S. Small Business Administration.
$250K – $6.25M
30–90 days
Working Capital
Fast, flexible funding based on bank statements — many lenders have no minimum credit score.
$5K – $2M
Same day – 7 days
Equipment Financing
Finance equipment purchases with the equipment itself as collateral — often $0 down.
$10K – $75M+
3–7 days
Invoice Factoring
Turn unpaid B2B invoices into same-day cash — qualification based on your customers' credit.
Up to $40M
24–48 hours
PO Financing
Fund purchase order fulfillment — up to 100% of production costs per transaction.
$50K – $20M
7–10 days
Commercial Real Estate
Financing for commercial property acquisition, refinance, bridge, or construction.
$200K – $10M+
2–4 weeks
Fix & Flip Loan
Short-term financing for property acquisition and renovation — close in 7–14 days.
$100K – $3M
7–14 days
DSCR Rental Loan
Long-term financing for rental properties — qualifies on property cash flow, not personal income.
$85K – $3.5M
2–3 weeks
Revenue-Based Funding
Growth capital for established businesses with $2M+ annual revenue — no collateral required.
Up to $15M
1–3 days
Want exact rates and terms for your business?
These are general eligibility estimates. SmartMatch™ compares real offers from 75+ lenders based on your actual business profile — with no credit impact.
Get Your Free SmartMatch™ AnalysisBusiness Funding Eligibility Requirements at a Glance
Each funding product has different qualification criteria. Below is a summary of minimum requirements based on data from Nautix Capital's SmartMatch™ lender network of 75+ capital providers.
| Funding Type | Min. Revenue | Min. Time in Business | Min. Credit Score | Funding Range | Speed |
|---|---|---|---|---|---|
| SBA 7(a) Loan | Profitable | 2+ years | 650+ (680+ pref.) | $250K – $6.25M | 30–90 days |
| Working Capital | $8,000/mo | 3+ months | No minimum | $5K – $2M | Same day – 7 days |
| Revenue-Based Funding | $2M+/year | 3+ years | Varies | Up to $15M | 1–3 days |
| Equipment Financing | Varies | 5+ years | 580+ (660+ pref.) | $10K – $75M+ | 3–7 days |
| Invoice Factoring | $100K+/mo invoices | Any | Customer credit | Up to $40M | 24–48 hours |
| PO Financing | Varies | Any | Customer credit | $50K – $20M | 7–10 days |
| Commercial Real Estate | Varies | Experience needed | 650+ | $200K – $10M+ | 2–4 weeks |
| Fix & Flip Loan | Not required | 1+ flip preferred | 680+ | $100K – $3M | 7–14 days |
| DSCR Rental Loan | Not required | Any | 640+ (720+ pref.) | $85K – $3.5M | 2–3 weeks |
Requirements shown represent general lender guidelines within the SmartMatch™ network. Actual qualification depends on full underwriting review and may vary by lender. Data sourced from the Nautix Capital SmartMatch Capital Guide (February 2026).
How Business Funding Eligibility Is Determined
Credit Score
Credit score requirements range from no minimum (working capital) to 680+ (SBA and fix & flip). Most traditional lending products like SBA 7(a) loans use 650 as a minimum threshold, with 680+ preferred for the best rates. Asset-based products like invoice factoring and PO financing base qualification on the creditworthiness of your customers rather than your personal credit score.
Time in Business
Newer businesses (under 1 year) typically qualify for working capital loans, which require as little as 3 months of operating history. SBA loans require at least 2 years. Equipment financing often requires 5+ years for the best terms, though some lenders accept 2+ years with strong credit. Revenue-based funding programs generally require 3+ years of established operations.
Monthly Revenue
Revenue requirements vary significantly. Working capital loans start at $8,000 per month. Revenue-based funding requires $2M+ annually ($167K+/month). Invoice factoring works best with $100K+ in monthly invoices. Real estate investment products (DSCR, fix & flip) qualify on property cash flow rather than personal or business revenue.
Funding Purpose
Different products serve different needs. Owner-occupied real estate purchases best fit SBA 7(a) or commercial real estate loans. Investment properties match with DSCR rental loans or fix & flip financing. General cash flow needs are served by working capital loans. Large, established businesses with growth opportunities may qualify for revenue-based funding up to $15M.
Frequently Asked Questions About Business Funding Eligibility
What credit score do you need to get a business loan?
Credit score requirements vary by funding type. SBA loans typically require 650+ (680+ preferred). Equipment financing starts at 580+. Working capital loans from many lenders have no minimum credit score — they focus on bank statements and revenue instead. DSCR rental loans require 640+, and fix & flip loans require 680+. The best way to find your options is to check across multiple funding types.
How long does a business need to be operating to get funding?
Time-in-business requirements range from 3 months to 5+ years depending on the product. Working capital loans are available to businesses with as little as 3 months of operating history. SBA loans require 2+ years. Equipment financing often requires 5+ years. Revenue-based funding typically requires 3+ years. Invoice factoring and PO financing have no strict time requirement — they focus on the creditworthiness of your customers instead.
Can startups get business funding?
Yes, but options are more limited. Businesses with less than 6 months of history may qualify for working capital loans if they meet minimum revenue requirements ($8,000+/month). SBA loans, equipment financing, and revenue-based funding typically require longer operating history. Startups with strong personal credit (680+) and a clear business plan may also qualify for SBA microloans or startup-specific programs.
What is the fastest way to get business funding?
Working capital loans are the fastest option, with some lenders offering same-day funding. Invoice factoring provides cash within 24-48 hours once set up. Revenue-based funding can approve in 1-3 days. Fix & flip loans close in 7-14 days. Equipment financing takes 3-7 days. SBA loans are the slowest at 30-90 days but offer the lowest rates and longest terms.
Do you need collateral for a business loan?
Not always. Working capital loans, revenue-based funding, and invoice factoring typically require no collateral. Equipment financing uses the equipment itself as collateral. SBA loans may require business assets or real estate as collateral. PO financing uses the purchase order and inventory. DSCR and fix & flip loans use the investment property. The collateral requirement often correlates with rate — unsecured options tend to have higher costs.
How does the eligibility calculator work?
The calculator compares your business profile — monthly revenue, credit score, time in business, and funding purpose — against the minimum qualification criteria for 9 different funding products. It shows which products you are likely eligible for (Strong Match), which you may qualify for with some caveats (Possible Match), and which are unlikely based on your current profile. This is an estimate — actual qualification depends on a full underwriting review.
Free SmartMatch™ Analysis + Founder consultation. No credit pull.
This calculator provides general eligibility estimates based on publicly available lending guidelines and data from the Nautix Capital SmartMatch™ network. Results are not guaranteed offers, pre-approvals, or commitments to lend. Actual qualification, rates, and terms depend on a complete underwriting review by individual lenders. All financing is facilitated through third-party capital providers. Nautix Capital is a business funding advisory firm, not a direct lender.