Am I Eligible for a Business Loan?
Most businesses qualify for some type of funding. Find out in 5 minutes — without a hard credit pull or speaking to a salesperson.
Check My Eligibility — Free →Takes 5 minutes · No hard credit pull · No obligation
Basic Requirements
Do I Qualify?
Requirements vary by loan type and lender. These are common thresholds across our marketplace of 75+ lenders.
| Requirement | Minimum | Preferred | Best Rates |
|---|---|---|---|
| Time in Business | 3 months | 1+ year | 2+ years |
| Monthly Revenue | $8,000/mo | $15,000/mo | $25,000+/mo |
| Personal Credit Score | 500+ | 600+ | 680+ |
| Business Bank Account | Required | ||
| US-Based Business | Required | ||
What If My Credit Score Is Low?
Score 500–579
Merchant Cash Advances, Invoice Financing, and equipment loans available. Higher rates apply.
Score 580–659
Most short-term products available. Competitive rates from alternative lenders who look at cash flow over credit.
Score 660+
Full marketplace access — SBA loans, term loans, lines of credit at best available rates.
Documents You’ll Need
Basic Application
- EIN or SSN
- Business legal name
- Estimated monthly revenue
- Years in business
For Most Loans
- 3 months bank statements
- Business bank account info
- Government-issued ID
For SBA / Term Loans
- 2 years tax returns
- Profit & Loss statement
- Business plan (SBA only)
What Business Owners Say
Real Businesses. Real Funding.
"I applied at 9am. By noon I had three offers in my inbox. By 2pm the money was in my account. I didn't believe it was real until I saw the deposit."
"After three banks turned me down, I figured I was out of options. 1 Hour Lending matched me with a lender who actually understood my industry. Got $85K in equipment financing with no collateral."
"My credit score was 562. I thought that was a deal-breaker. The marketplace found me a lender who looked at my revenue instead. $40K working capital in 24 hours."
Ready to See What You Qualify For?
One 5-minute application. 75+ lenders competing for your business. No hard credit pull. Most businesses get matched same day.
No hard credit pull · Free to use · Funding from $5K to $5M