How do I know if I'm ready to apply for business funding?

You are ready to apply for business funding when you meet the minimum criteria: 6+ months in business, $4,000+ in average monthly bank deposits, a business bank account open for 3+ months, no active bankruptcy, and a 500+ credit score. The Funding Readiness Assessment evaluates 15 factors across your revenue, bank account health, documentation, and business profile to give you a personalized readiness verdict.

What is the minimum time in business required to qualify for an MCA?

The minimum time in business for a merchant cash advance is 6 months. However, businesses with 6–12 months of history typically receive higher factor rates than businesses with 1–2+ years of operating history. The 12-month and 24-month marks are important milestones that meaningfully improve your offer quality.

What happens after I complete the funding readiness assessment?

After completing the 15-question assessment, you receive a personalized readiness verdict in one of four categories: Strong Applicant, Ready to Apply, Almost Ready (30 Days Away), or Not Ready Yet. Each result includes specific next steps and a recommendation for what to do next — whether to apply immediately, wait 30 days and improve specific factors, or work on a 90-day rebuild plan.

How does the funding readiness assessment work?

The assessment evaluates your current bank deposit history, FICO score range, time in business, and existing advance balances. Based on your answers, it identifies your most likely funding options and the specific steps to improve your profile before applying.

What if my funding readiness assessment shows I am not ready?

The assessment shows you exactly which factor is holding you back. Revenue gaps typically resolve in 60 days. FICO issues take 90–180 days. Time in business requirements resolve automatically. The assessment gives you a specific improvement timeline so you know when to come back.

Quick Answer

15-question business funding readiness assessment. Find out if you're ready to apply, almost ready, or need 30 more days.

Free Assessment · 3 Minutes

Are You Ready to Apply for Business Funding?

Answer 15 questions. Get an honest readiness verdict: Ready Now, Almost Ready, 30 Days Away, or Not Ready — with specific next steps for each outcome.

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T.A.G. Business Funding

See If Your Business Qualifies

500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Most decisions in 24 hours.

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✓ No obligation ✓ Soft pull only ✓ Free to apply ✓ Bank declines welcome

500 FICO minimum · $4K–$6K+/month revenue · Funded in 1–3 days