Universal Business Loans
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    Business Loan Requirements

    Clear, straightforward criteria. We focus on your business performance and revenue, not just a credit score.

    Minimum Qualifications

    To qualify for most of our funding programs, businesses generally need to meet these baseline criteria:

    • Time in BusinessMinimum of 6 months of active operating history.
    • Monthly RevenueConsistent gross revenue of at least $10,000 to $15,000 per month.
    • Business Bank AccountAn active business checking account in the name of the business.

    Required Documents

    Our application process requires limited documentation to ensure fast funding decisions:

    Completed simple online application
    Last 3–6 months of business bank statements
    Valid Government-issued ID (Driver's License)
    Voided business check

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