At We Lend It, we don’t use a one-size-fits-all checklist—instead, we match you with the best funding pathway based on your current profile.
💡 The Short Answer
Different funding options have different requirements, primarily based on:
Your credit score (FICO)
Time in business (if applicable)
Revenue or income
Overall financial profile
👉 The stronger these are, the more options—and better terms—you’ll qualify for.
📊 Minimum Requirements by Funding Type
0% APR Funding (Credit Card Stacking)
680+ FICO score
No time in business required
No formal income documentation required (stated income)
📌 Must have:
2–3 existing credit accounts
Accounts at least 1 year old
Limits typically above $2,000–$3,000
Merchant Cash Advance (MCA)
580+ FICO score
3–6 months in business
$10,000+ monthly revenue
📌 Requires:
3 months of bank statements
Basic business documentation
Business Term Loans
680+ FICO score
2+ years in business (must be profitable)
~$150K+ annual revenue ($50K+ profit)
📌 Requires:
Full business financials and documentation
Business Line of Credit
650–700+ FICO score
2–3 years in business
$25,000+ monthly revenue
📌 Requires:
Bank statements
Proof of ownership
Business documentation
SBA Loans
700+ FICO score
Up to 2+ years in business (or strong startup profile)
Revenue varies
📌 Requires:
Extensive financial documentation
Longer approval timelines
Personal Term Loans
650+ FICO score
No business required
~$40,000+ personal income
📌 Must maintain:
Debt-to-income ratio under ~50%
🧭 Why Requirements Vary
As shown in the Capital Ladder framework, each funding type has different levels of:
Risk
Documentation
Qualification difficulty
👉 Generally:
Lower requirements = faster access but higher cost
Higher requirements = better terms but stricter approval
🤝 What This Means for You
You don’t need to figure this out on your own.
When you apply:
We assess your full profile
Show you what you qualify for
Build a strategy based on your goals
👉 If you don’t qualify for one option, we guide you to the next best path forward
🎯 Final Thoughts
There isn’t just one way to qualify for funding.
The key is understanding:
👉 Where you are today—and what pathway makes the most sense right now
We’ll show you exactly what you qualify for—and the smartest way to move forward.