Small Business Loans Loan Qualification

  • Approved Industry with 3–5+ deposits/month
  • Revenue: Avg $15k–$25k/mo (last 3–4 months)
  • Time in Business: typically 1+ years (some as low as 6 months)
  • Credit Score: 500+
  • Documentation: Bank statements, bank verification, application, proof of ownership & TIB
  • Amount: Up to $5,000,000 per location (needs-based)
  • Term: 2–36 months
  • Pricing: Factor rate ~$1.10–$1.50 per $1 borrowed
  • Frequency: Weekly or Daily
  • Early Payoff Discounts available
  • Minimum Sales: $15k consistently and consecutively
  • Other loans: many require 12–24 months TIB

Minimum Requirements to Get Funded

  • Minimum Time in Business: ≥ 3 months
  • Monthly Revenue: ≥ $5,000
  • Business Bank Account (for deposits/repayments)
  • No minimum credit score for some programs
  • Funding > $150k: tax returns + current P&L & Balance Sheet

Versatile for steady-revenue firms needing speed/flexibility—without equity dilution or heavy collateral.

What Do I Need to Get Approved?

To pre-qualify for revenue-based working capital:
  • One-Page Application
  • 3–4 Months of Business Bank Statements

Fast Funding Docs (collected prior to funding)

  • Voided Check
  • Driver’s License
  • Proof of Ownership

Why Liberty Capital Group?

We simplify the process with online pre-qualification, minimal paperwork, and a wide range of loan products—multiple offers under one roof. We’re confident we can compete.

Looking for equipment? See related: Med Spa Equipment Finance (ask us).

1) Online Application

Complete our secure online application. Bank verification can speed underwriting.

2) Approval (often 24 hrs)

We underwrite fast and present multiple offers aligned to cash flow & use of funds.

3) Funding

Upon e-sign & closing docs, funds are deposited quickly—often the next business day.
Product Best For Speed Cost (typical) Collateral / Underwriting Focus Pros Cons
Business Line of Credit (Bank/CU) Ongoing needs; draw/repay Days–Weeks Lower; SBA LOCs ~10–12%+ (2025) Cash flow & credit; may use blanket lien Reusable; interest only on use Harder approval; covenants
SBA 7(a)/CAPLines/WC Pilot Broader purposes; larger limits Weeks Lower vs alt; fees Ability to repay; collateral when available Longer terms; gov’t guarantee Paperwork; time to close
Asset-Based Line (ABL) AR/Inventory heavy Weeks Medium; base + spread Borrowing base; audits Scales with sales Monitoring burden
Invoice Factoring Slow-pay B2B AR Days ~1–5%/mo on invoices Debtor credit; assignment Fast; off-BS potential Fee drag; notification
PO Finance Supplier prepay for big POs Days–Weeks Medium–High End-buyer + supplier strength Accept larger orders Goods only; niche
Sale-Leaseback (Equipment) Asset-rich, cash-poor Weeks Medium Equipment value Unlocks equity; keep use Adds lease payment
Cash-Out Refi (RE/Equip) Owners w/ appreciable assets Weeks–Months Lower–Medium Collateral value; DSCR Cheaper; long amort. Closing time & fees
Revenue-Based / Short-Term Card/online sales; need speed Hours–Days High (factor) Daily/weekly remits Fast; flexible eligibility Cash-flow squeeze risk
Merchant Cash Advance (MCA) Last-resort emergency Same-day/24 hr Very high Future receivables Fastest Expensive; aggressive terms

Costs vary by credit, collateral, industry, market rates, and lender.

What “Working Capital” vs. "Small Business Loans" Really Means

It’s the money that keeps operations moving—payroll, rent, inventory, materials, freight, taxes, marketing, emergencies. You finance it with retained cash, supplier terms, or outside capital. For seasonal or invoice-driven firms, it’s non-negotiable.

Industries that live or die on working capital

  • Retail & e-commerce: heavy inventory; holiday cycles
  • Restaurants: payroll + perishables + thin margins
  • Construction & trades: WIP, retainage, slow pay
  • Manufacturing: raw materials + high DSO
  • Healthcare: slow reimbursements
  • Logistics/transport: fuel, maintenance, AR delays
  • Professional services: staff time before payment

Owner Reality Check

Many small business need capital but don't know the actual lending solutions intricacies so they lump the need into one "small Business Loans" term. It's really just a lending or creditor and borrowers, the symantec is not relevant to customers, but it does cause it's pegged to risk reward from the lender who are taking risks. If you’re unbankable today (thin profits, weak credit, no collateral), you’ll pay more. Pick the least-bad option that preserves cash flow and buys time to qualify for cheaper money later.

Underwriting Signals to Improve Approval Odds

  • Positive cash flow; workable DSCR; clean current & quick ratios
  • Shorten DSO, turn inventory faster, ethically stretch DPO
  • Reduce NSFs; stabilize daily balances; limit owner draws
  • Show pipeline: POs, signed contracts, seasonality plan
  • Explain credit blemishes: what happened, fixes, safeguards

Common Purposes (Search-Friendly)

Payroll working capital loan Working capital for inventory Accounts payable working capital Tax payment working capital Cash flow gap financing Bridge working capital loan Working capital financing Short-term working capital Business working capital loan Commercial working capital loan

Cash Flow Problems Working Capital in Georgia: Real Options, Real Costs, No Nonsense

If you can’t make payroll, buy inventory, or bridge receivables, growth dies. This guide shows exactly how to get a Cash Flow Problems Working Capital in Georgia line, what it costs, who qualifies, and when to walk away.

Tip: Use the pre-qual link below to see multiple offers without obligation.

Deep Dive: Every Major Business Loan Products

1) Business Line of Credit

Recurring, unpredictable needs. Draw, repay, repeat. Lowest cost outside SBA if you qualify.

2) SBA Working Capital

Longer terms, lower rates vs alt lending. More paperwork and time to close, but worth it if eligible.

3) Asset-Based Line (ABL)

Leverage AR/inventory via borrowing base. Scales with sales; requires reporting/audits.

4) Invoice Factoring

Sell invoices to accelerate cash. Customer credit matters most; fees vary by debtor risk.

5) Purchase Order Finance

Fund supplier prepay on large POs. Lets you accept bigger orders. Goods-only, niche.

6) Sale-Leaseback

Unlock trapped equity in equipment; retain use. Adds lease payment; consider total cost.

7) Cash-Out Refi

Pull cash from real estate/equipment. Often cheapest dollars; longer amortization.

8) Revenue-Based / Short-Term

Speed + flexible eligibility; daily/weekly remits. Manage cash to avoid squeeze.

9) Merchant Cash Advance (MCA)

Last resort. Fastest, but highest cost. Use only when other options are closed.

Pre-Qualify in Minutes

No obligation. One application unlocks multiple options: small business loan, working capital, LOCs, term loans, factoring, equipment finance.
  • Simple 1-Page Application
  • 3–4 Months Bank Statements
  • Fast decisions—often 24 hours
  • Early Payoff Discounts available

FAQ

What are the credit requirements? Many programs start at 500+ FICO. Some have no minimum score if revenue is strong; larger amounts may require full financials.
How are costs quoted—APR or factor rate? Short-term revenue-based products often use a factor rate (e.g., 1.10–1.50). Longer-term bank/SBA/ABL options use APR. We show total payback and effective costs so you can compare apples-to-apples.
Daily vs weekly payments—what’s better? Weekly reduces day-to-day cash friction; daily can match high-velocity card sales. We’ll structure to your cash cycle.
Can I pay off early? Yes—many offers include early payoff discounts. Ask your advisor to model savings.
Do you report to personal credit? Funding is under the business; it typically does not appear on personal credit after funding.

Unlock Your Financial Potential Today

Start, expand, or stabilize—without giving up equity. Liberty Capital Group helps you pick the right tool for your cash flow now and your cost of capital later.