Eligibility & Required Documents

At Quote 2 Fund, we understand that no two businesses are alike and one size doesn’t fit all. That’s why we offer virtually every business financing product on the market. Lenders also differ in product offerings, programs, credit guidelines and required documentation.

SBA & Conventional Bank Loans

Two years in business

For-profit business

Proceeds: Working Capital, Debt Refinance, New Equipment Purchase, Business and Real Estate Acquisition

Individuals owning 20% or more of business cannot work for SBA or have criminal background

Individuals owning 20% or more business must be US Citizen or Legal Permanent Resident

Business Credit Score (LiquidCredit) 150 or greater

Loans $30K-$150K: Minimum Personal FICO of 600

Loans over $150K: Minimum Personal FICO of 675

No bankruptcy in past 3 years

No foreclosure in past 3 years

No open tax liens

Ratio of Business Cash Flow to Debt Payments: Should be at least

Required Documents

3 years of business and personal tax returns

Interim P&L statement

Full list of business debt

Conventional Bank Loans

Two years in business

For-profit business

Proceeds: Working Capital, Debt Refinance, New Equipment Purchase, Business and Real Estate Acquisition

Individuals owning 20% or more of business cannot work for SBA or have criminal background

Individuals owning 20% or more business must be US Citizen or Legal Permanent Resident

Business Credit Score (LiquidCredit) 150 or greater

Loans $30K-$150K: Minimum Personal FICO of 600

Loans over $150K: Minimum Personal FICO of 675

No bankruptcy in past 3 years

No foreclosure in past 3 years

No open tax liens

Ratio of Business Cash Flow to Debt Payments: Should be at least

Required Documents

3 years of business and personal tax returns

Interim P&L statement

Full list of business debt

Non-bank Loans (B-C Credit)

Two years in business

For-profit business

Business Net Income: More than $0 in at least 1 of last 2 years tax returns

Business Revenue: $150,000 minimum

Minimum Personal FICO of 620

Loans over $150K: Minimum Personal FICO of 675

Individuals owning 20% or more of business cannot have criminal background

Bankruptcies: at least 7 years ago

No foreclosure in past 3 years

No open tax liens

Ratio of Business Cash Flow to Debt Payments: Should be at least

Required Documents

2 years of business tax returns

1 year personal tax returns (for all owners w/ >=20% ownership)

Interim financials ( YTD P&L and Balance Sheet) - Only for requests >$300k

6 months business bank statements

Business debt worksheet

Quick and simple process, from Quote to Funding.

  • Get a Quote

    Enter some basic information to get a free, instant quote (no credit check) or fill out a single, free application
  • Apply

    View quotes, apply for one, some, or all options and receive instant conditional approvals
  • Speak with a Specialist

    Review options, opportunities for growth with a funding specialist and get final verification

Not sure which financing product is best for you?

Chat with with an experienced funding specialist at 888-789-4365. It’s toll and obligation free!