Four straightforward requirements — check your business against each one below, then apply or download the printable checklist to review with your team.
These four items are what T.A.G.'s underwriting review actually checks first — meet all four and your file is ready for review.
Official monthly statements — the PDF exported directly from your bank's online portal, for the 6 most recent, consecutive months.
Each of the 6 statements needs a clean ending balance. $2,000+ average is the minimum floor to be considered; $4,000+ average is the optimal target for the strongest offers.
Your business bank statement history should span at least 6 months, with roughly $4,000–$6,000+ in average monthly revenue.
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.
A clean, single-page PDF you can print, share with a bookkeeper, or check off as you gather documents.
📄 Download the Free PDF ChecklistTwo free tools to see exactly where your business stands before you apply.
Compare your business against the four checklist items above. If you can check off all four — 6 months of business bank statements, a $2,000+ average ending balance, 6+ months in business, and 67%+ ownership by the applicant — your file is ready to move into underwriting review.
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.
$2,000+ is the actual minimum required to be considered — a balance below that is one of the most common automatic decline triggers. $4,000+ average is the optimal target that unlocks the strongest offers and full predictive underwriting, but it is not required just to submit.
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.
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.
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.
If you meet the checklist above, your file is ready for underwriter review. Takes about 5 minutes, soft credit pull only.
Start My Application →
T.A.G.