Getting ready
Business loan requirements checklist
A plain-language list of what lenders commonly look at, so you can prepare with confidence.
Written by Fundrillo Editorial TeamReviewed by [VERIFIED REVIEWER — financial-services]
Last updated August 1, 20266 min read
Before you apply for business financing, it helps to know what a lender or financing partner commonly looks at. Being prepared makes the process smoother and helps you compare options with clear eyes.
What partners commonly review
- Time in business — how long you have been operating
- Revenue — recent, consistent sales figures
- Cash flow — how money moves in and out month to month
- Business and personal credit history
- Existing debt and obligations
- The purpose of the funding
Important to know
Requirements vary widely by financing type and partner. This is general guidance, not a qualification standard. Fundrillo does not publish thresholds unless they are verified for your situation.
How to prepare
Gather recent bank statements, keep your bookkeeping current, and be ready to explain what the funds are for and how they will help. Clear answers to these questions tend to move things along.