T.A.G. Business Funding T.A.G. Business Funding 🌐 En español
60-Second Self-Check

Do I Qualify for
Business Funding?

Four straightforward requirements: check your business against each one below, then apply or download the printable checklist to review with your team.

Ready to Apply? → 📄 Download PDF Checklist
Apply Now: takes about 5 minutes, soft credit pull only.
Street lined with brick and modern apartment buildings in Kansas City, Missouri
A business on a street like this one qualifies or does not based on the same handful of numbers, no matter which city it operates in.

The Qualification Checklist

These four items are what T.A.G.'s underwriting review actually checks first: meet all four and your file is ready for review.

1

At Least 4 Consecutive Months of Business Bank Statements

Official monthly statements: the PDF exported directly from your bank's online portal, for the most recent consecutive months. Four is the minimum we can submit on. We ask for six because a longer history gives the funding provider more to work with, but we will not hold your file waiting for months five and six.

Not accepted: screenshots or photos, month-to-date/partial statements, or personal or joint personal account statements.
2

A Real Business Checking Account with Deposit Activity

The statements have to come from an account in the business's own name and show money actually moving through it. T.A.G. does not set a balance minimum and does not screen your file on how your cash flow looks. Low balances, a slow month, or days in the negative do not stop you from applying. The funding provider reviews the deposit activity and makes that call.

3

6+ Months in Business

Your business bank statement history should span at least 6 months, with roughly $4,000 to $6,000+ in average monthly revenue.

4

67%+ Ownership by the Applicant

The person applying must own at least 67% of the business. If ownership is split more evenly than that, each additional owner completes their own separate application.

Who decides what: the checklist T.A.G. checks, and the judgment the funding provider makes Two panels. The left panel lists what T.A.G. checks before submitting a file: business account, at least four consecutive statements, six months in business, and 67 percent or more ownership by the applicant. The right panel lists what the funding provider decides: deposit volume and cash flow, the approval itself, and the amount and terms offered. T.A.G. CHECKS THIS Business account, in the company name 4+ consecutive statements, 6 preferred 6+ months in business, 67%+ ownership THE PROVIDER DECIDES THIS Deposit volume and cash flow Whether the file is approved Amount, factor rate, and terms
T.A.G. does not run a balance test of its own. We check that the file is complete and route it; the funding provider underwrites the cash flow.

Also Needed: After Approval, Not Before

  • Valid Government-Issued ID (front & back)
  • Voided Business Check or Bank Letter
These two items are required before funding but never block your initial submission or underwriting review.
From checklist to underwriting review A four-step flow showing how meeting the checklist connects to underwriting review: gather at least four consecutive months of business bank statements, confirm time in business, confirm ownership is 67 percent or more by the applicant, then submit for underwriting review. 1 Gather 4+ months of statements 2 Confirm business account and time open 3 Confirm 67%+ ownership 4 Submit for underwriting review
The same four checklist items above, in the order underwriting review actually checks them.

Take the Checklist With You

A clean, single-page PDF you can print, share with a bookkeeper, or check off as you gather documents.

📄 Download the Free PDF Checklist
Open air market stalls under white canopies selling fresh cut fruit and smoothies, with palms and a tiled roof building behind
A market stall like this one runs on cash that moves every day, and those real deposits are exactly what the numbers below are checking.

Check Your Actual Numbers

Two free tools to see exactly where your business stands before you apply.

Bank Statement Analyzer →

Enter your gross deposits, average daily balance, ending balance, and NSF count for an instant underwriting readiness grade.

Eligibility Engine →

A fast, guided eligibility estimate based on your revenue, time in business, and industry.

Frequently Asked Questions

What's the fastest way to check if I qualify?

Compare your business against the four checklist items above. If you can check off all four (at least 4 consecutive business bank statements, an account in the business's own name, 6+ months in business, and 67%+ ownership by the applicant), your file is ready to move into underwriting review.

Do personal bank statements count toward the statement requirement?

No. Only statements from a business checking account are accepted. Personal or joint personal account statements, screenshots, and month-to-date/partial statements are all excluded and will not count toward the requirement.

What if some months have low or negative ending balances?

Send the statements as they are. T.A.G. does not decline a file over its balances and does not judge whether your cash flow can support funding. A low month, an uneven month, or days in the negative are all things the funding provider weighs when it reviews the file, and it is the provider that decides. Holding your application back until the balances look better only delays the review.

What if I own less than 67% of the business?

The primary applicant must own at least 67% of the business to apply on the company's behalf. If ownership is split more evenly than that, each additional owner completes their own separate application.

Will checking my eligibility affect my credit score?

No. The initial application uses a soft credit pull only, which does not affect your FICO score. A hard pull may occur later, before final approval, and is always disclosed to you first.

What documents do I need after I'm approved?

A valid government-issued ID (front and back) and a voided business check or bank letter. These are supplemental, post-approval items needed before funding: they are never required to start underwriting review and never block your initial submission.

Ready to Apply?

If you meet the checklist above, your file is ready for underwriter review. Takes about 5 minutes, soft credit pull only.

Start My Application →

Initial review uses a soft credit pull only. A hard credit pull typically occurs later, before final approval, and can affect your credit score by a few points.