+1 (855) 777-3747
+1 (855) 777-3747
Getting approved for funding doesn’t have to feel like a guessing game. While every lender has their own criteria, most are looking for the same core signals that suggest your business is stable, growing, and ready to handle capital responsibly. Understanding these signals doesn’t just help you prepare—it helps you position your business for the right kind of funding, at the right time.
Lenders want to see that your income isn’t just a lucky spike. They look for steady, month-over-month cash flow that shows your business is active and able to handle repayments. Even if your sales fluctuate seasonally, consistency within that cycle matters. If you’ve had a recent dip, showing recovery is key. Tip: You don’t need to be perfect—just predictable.
Longevity builds confidence. A business that’s been operating for over a year—especially two or more—signals durability. While newer businesses can still qualify for funding, more time in operation often opens the door to better rates and larger offers. Tip: Just starting out? Don’t worry—there are still flexible options available, especially through non-bank lenders.
Your business bank account tells a story. Are deposits coming in regularly? Are you maintaining a healthy balance, or constantly dipping below zero? Lenders often review your last 3 to 6 months of bank statements to assess how you manage cash day to day. Tip: Avoid overdrafts when possible, and be mindful of your average daily balance.
Some industries are viewed as higher-risk than others—but that doesn’t mean you’re out of luck. Lenders simply want to understand your business model and the real-world pressures that come with it. For example, construction and hospitality businesses may face seasonality or client payment delays, and that’s okay—as long as you’ve found ways to manage through them. Tip: Capital Hero works with businesses in industries that traditional banks often avoid.
While a good credit score can help, it’s not everything—especially with alternative lenders. Many approvals are based more on business performance than personal credit. If your score isn’t where you want it to be, other strengths like revenue and bank activity can still help you qualify. Tip: Pre-qualifying with Capital Hero is quick and doesn’t affect your credit.
At Capital Hero, we don’t just look at numbers—we look at you. Your goals, your growth, and your current reality. We help you understand where you stand, and what steps to take if you’re not quite ready today. Because being fundable isn’t about checking every box—it’s about knowing which ones matter right now.
