Working Capital Loan Qualification & Credit Requirements
Fast, flexible funding for businesses with consistent revenue. Get approved with as low as a 500 credit score, 6 months in business, and $15k monthly sales. Fund amounts from $15k to $5M per location.
Working Capital Loan Credit Requirements
Revenue-based funding designed for businesses with steady cash flow. No collateral required — approvals based on sales, deposits, and time in business.
Detailed Qualification Criteria
Here's what underwriters look at when reviewing your application.
Industry & Business Activity
Approved industries with more than 3–5 deposits per month. Consistent, recurring revenue is key. Most retail, service, and contractor businesses qualify.
Revenue Requirements
Average monthly revenue for the last 3–4 months. Must show consistent and consecutive deposits — no large gaps or irregular patterns.
Time in Business
Typically at least 1 year, but some lenders go as low as 6 months for strong revenue profiles. Longer history improves terms.
Credit Score
Lower scores accepted with compensating factors: strong revenue, clean bank statements, and business stability. Higher scores unlock better rates.
Documentation
Bank statements (3–4 months), bank verification, application, proof of ownership, and proof of time in business. Minimal paperwork compared to traditional loans.
Funding Amount
Per location based on monthly revenue, cash flow strength, and business need. Most approvals range $15k–$500k.
Terms & Repayment Structure
Flexible payment schedules aligned to your revenue cycle.
| Term | Details |
|---|---|
| Loan Term | 2 to 36 months depending on amount and lender program |
| Interest Rate / Factor | Rate factor starts at 1.1 to 1.5 per dollar borrowed (equivalent to ~10%–50% total cost depending on term) |
| Payment Frequency | Daily or Weekly ACH debit from business bank account |
| Early Payoff | Early payoff discount available on most programs — pay off early and save on remaining interest |
| Collateral | Unsecured — no equipment or real estate collateral required |
| Personal Guarantee | Required for most programs (standard business loan practice) |
What Do I Need to Get Approved for Working Capital?
Three simple items to start the approval process. Additional docs required at funding.
To Start Your Application
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One-Page Application
Basic business info, revenue, time in business, and funding need. Takes 5 minutes to complete.
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3–4 Months of Bank Statements
Business checking account statements showing deposit history and average daily balance.
Required at Funding (After Approval)
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Voided Check
Business bank account check for ACH setup (payment debits and initial funding deposit).
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Driver's License
Government-issued ID for personal guarantee and identity verification.
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Proof of Ownership
Articles of incorporation, EIN letter, or business registration showing ownership structure.
Minimum Requirements Summary
- ✓Minimum Sales: $15k consistently and consecutively per month
- ✓Minimum Time in Business: 6 months for working capital; 12–24 months for other loan types
- ✓Credit Score: 500+ accepted; stronger profiles unlock better rates and terms
- ✓Deposit Frequency: 3–5+ deposits per month showing active, ongoing business
Why Choose Liberty Capital Group?
We simplify the funding process with online pre-qualification, minimal paperwork, and a wide range of loan products under one roof.
⚡ Fast Approvals
Online pre-qualification with decisions in 24–48 hours. Funding as fast as 2–5 business days after approval.
📋 Minimal Paperwork
No tax returns, no business plans, no collateral appraisals. Just bank statements and a simple application.
💼 Multiple Offers
We shop your file to multiple lenders and present the best options. You choose the terms that fit your cash flow.
🏆 Competitive Rates
We're confident we can compete. Our lender network ensures you get the best available terms for your profile.
🎯 One-Roof Solutions
Working capital, equipment financing, lines of credit, invoice factoring — all loan products available through one application.
📞 Direct Support
Speak with a real person, not a chatbot. Call 888-511-6223 for immediate assistance.
