Most owners assume they won’t qualify. Most of them are wrong.
1 year in business. $25,000 a month. 600 credit.
That’s the starting line, and most established businesses clear it.
Requirements
Every funder sets its own bar, and knowing which ones bend where is part of our job.
Short on one and strong everywhere else is still a conversation. If you’re close, apply and let us look.
Strengthening your file
Steady revenue across the month reads better than the same total in two lumps.
The steadier your account activity, the more of the market opens up.
Nothing outstanding, or existing positions close to paid off.
“Materials for a $340,000 job starting the fifteenth” reads as a plan.
The jump from one year to two opens up meaningfully more funders.
Some funders will look. We know which ones, and we’ll tell you what waiting buys you.
Each one narrows the field. We’ll show you the math before you add another.
If money moves through personal accounts or cash, an underwriter can’t see it. Routing it through the business changes your file fast.
Some categories sit outside most panels. You’ll hear that from us in the first conversation.
This is the part most brokers skip. We’ll tell you which one to work on first, and what it opens up.
Documents
Basic business details, ownership, and what the money is for. About three minutes.
The PDFs your bank already generates, all pages included.
A voided check and ID come after we’ve talked.
A slow month doesn’t disqualify you, and neither does a rough patch in the account.
We’d rather see it now and price it properly than have it surface later. Either way you’ll know today.
Most owners who ask us that question do. Three minutes settles it.
Apply in minutes. Fast approvals, 24 hour funding.
Berkley Financial Group LLC is a funding brokerage, not a lender. Funding is arranged by Berkley and provided by third-party funders, who make the credit decision and set the terms. Not a commitment to fund. All financing subject to the funder’s approval.