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Not Every Business Qualifies for the Same Thing — Here's How to Tell Which Path Fits

TrustedBizFunder works with funding partners across three tiers of qualification, with two products available at the top tier, because a 10-year-old company with great credit and a 6-month-old business rebuilding after a rough year need different things — and different terms to watch for. Here's an honest look at where your business likely fits.

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Line of Credit Up to $350,0003+ years in business, 650+ credit, $25K+/month revenue. Line of credit up to $350,000.See if this fitsTerm Loan Up to $250,0003+ years in business, 650+ credit, $25K+/month revenue. Term loan up to $250,000.See if this fitsGrowing Business6 months to a few years in business, building credit, steady deposits. Smaller amounts, shorter terms, room to grow into better pricing.See if this fitsSecond LookPast credit challenges or a harder industry. Reviewed by hand — approvals exist even where a bank said no.See if this fits

Compare the three at a glance

Time in business, credit, and revenue are the three things that move a file from one tier to another, and each tier carries its own terms worth understanding before you sign.

TierTime in businessCreditMonthly revenue
Line of Credit Up to $350,0003+ years650+$25,000+
Term Loan Up to $250,0003+ years650+$25,000+
Growing Business6 months–1 year+500–550+$8,000–$25,000+
Second Look6 months+As low as 500s, case by caseReviewed individually

Frequently asked questions

What if I'm not sure which tier fits?

Apply once — TrustedBizFunder reviews your file and matches it to the right tier itself. You don't need to guess.

Can I move from one tier to another over time?

Yes. Businesses commonly start at Growing Business or Second Look and move into Established Business terms as revenue and credit history build.

Does applying commit me to anything?

No. One secure application shows your real options, and you decide whether to accept any offer.

What should I always get in writing before accepting an offer?

The total repayment amount, the payment schedule, any personal guarantee or lien, and the default terms. A legitimate funding partner will provide all of this without hesitation.

Find out where you fit

One secure application. No obligation to accept an offer.

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Updated September 14, 2026 · TrustedBizFunder Funding Team