How to prepare your application for the best offers

Funding partners decide mostly from your business bank activity. A clean, consistent account is the single biggest thing you control. Here's how to put your best file forward.

What funding partners look at

• Monthly deposits: most want around $15,000 or more, consistently.
• Time in business: usually 6 months or longer.
• Average daily balance: a balance that doesn't hit zero often is a strong signal.
• Negative days and NSFs: overdrafts and returned payments hurt your offer.
• Existing advances: other daily or weekly debits reduce what a new partner will offer.
• Credit: considered, but rarely the deciding factor.

Have these ready

Item	Why it's needed
Last 3 to 4 months of business bank activity	Shows revenue and cash flow
Month-to-date activity	Shows the current month isn't sliding
Driver's license or photo ID for each owner	Identity verification
Voided business check	Where funds are sent and payments are taken
Business EIN and start date	Confirms the business
Balances on any current advances	So offers are realistic

Connect your bank instead of uploading

Connecting your bank through a secure verification provider lets the funding partner see verified activity directly. It's usually the fastest path to an offer. Uploaded PDFs have to be checked for authenticity, which can add one or more business days.

Habits that improve your offer

1. Run all business revenue through one business account.
2. Avoid overdrafts in the weeks before you apply.
3. Don't take a second advance while you're shopping for the first.
4. Be upfront about existing advances; partners will see them anyway.
5. Know what the money is for. A clear use of funds builds confidence.

Ready? Start your application. It takes about 5 minutes.