Loan Programs & Qualification Guidelines
Clear options for business funding—based on your profile and timeline. From micro advances to larger business funding, SCF offers multiple ways to access capital—depending on program requirements and underwriting guidelines.
Explore Our Funding Programs
How to Pre-Qualify in 3 Steps
01
Pre-Qualify Online
Use the “Get Started” flow and submit basic business information.
02
Approval in 24 Hours
After processing, a Business Consultant reaches out to review what you qualify for.
03
Receive Same-Day Funding
Upon approval and acceptance of the offer, funds can be delivered the same day.
Partner Application
Basic Requirements
Small Business Loan
- Minimum months in business: 6
- Minimum in bank deposits: $15,000
- Minimum deal size / advance amount: $5,000
- Negative days: no more than 7
Bank Only (ACH) Advances
- Minimum months in business: 6
- Minimum in bank deposits: $15,000
- Minimum deal size / advance amount: $5,000
- Negative days: no more than 7
Credit Card Split Deals
- Minimum months in business: 6
- Minimum transactions per month: 10
- Minimum batches per month: 6
- Minimum monthly on credit card: $4,000
- Minimum deal size / advance amount: $5,000
Documentation Required
- 3 months of bank statements
- 3 months of process statements
- Signed application
Corporate Credit Resources
Industry Eligibility
Additional Considerations
For a smooth underwriting process, be prepared to declare the following:
- Tax liens & judgements (especially without evidence of a payment plan; balances over $250K or multiple occurrences)
- Existing cash advance balances (evidence via payoff letter prior to funding)
- Tenancy (rent more than 2 months behind; less than 3 months remaining lease term)
- Open bankruptcies (Chapter 11 or 13)
- % Ownership (minimum 51% ownership)
Not sure which program fits?
Pre-qualify and review options with a Business Consultant.