Do You Qualify for Growth Financing?
Last updated: July 2026
The core benchmarks: about $250K+ in annual revenue, 6+ months in business, a business bank account, 3 months of bank statements, and 500+ FICO qualification paths — with SBA programs adding fuller documentation. Checking your eligibility involves no hard credit pull and no obligation.
Check your eligibility — no credit impactNo obligation · Independent resource — not a lender, not affiliated with the SBA
Eligibility benchmarks
- Revenue: ~$250K+ annual, or ~$15K+ monthly
- Time in business: 6+ months (2+ years strengthens standard SBA)
- Credit: 500+ FICO paths; mid-600s+ unlocks standard 7(a) at the best terms
- Banking: a business bank account + 3 months of statements
- Alternative path: large outstanding invoices or strong monthly revenue ($15K+)
These are REIL Capital's published paths. Meeting several strengthens your offers; missing one rarely ends the conversation. SBA-specific detail: SBA loan requirements.
Which product does your profile fit?
| Your situation | Likely starting point |
|---|---|
| 2+ years in business, solid credit, big long-term project | Standard SBA 7(a) |
| Qualify for SBA but need it faster | SBA FastTrack |
| Younger business or smaller amount | SBA Startup / Boost |
| Buying property | SBA Commercial Real Estate |
| Need funds this month, defined project | Term loan |
| Need funds this week / credit rebuilding | Working capital via LoanSource Pro, refinance later |
How the eligibility review works
Submit the 2-minute form; a specialist reviews revenue, industry, and cash flow — not just credit scores — and comes back with which programs you fit today, what you'd need for better ones, and side-by-side offers where available. Decisions on term products arrive within 24 hours.
Eligibility FAQ
What do I need to qualify for growth financing?
The core benchmarks through REIL Capital: about $250K+ annual revenue (or ~$15K monthly), 6+ months in business, a business bank account, 3 months of business bank statements, and 500+ FICO qualification paths. SBA programs layer fuller documentation on top.
Can I qualify for an SBA loan with a 600 credit score?
Possibly — streamlined variants and strong revenue can offset credit, though standard 7(a) favors mid-600s+. Checking involves no hard credit pull, and if SBA isn't available today, a specialist can outline a bridge product and a path to qualify later.
Does checking eligibility hurt my credit?
No — REIL Capital performs no hard credit pull at any point in its approval process.
What if my business is younger than 6 months?
The SBA Startup variant serves younger businesses, and building 6–12 months of clean bank statements dramatically widens your options. A specialist can tell you exactly what to build toward.
Know exactly where you stand
2-minute check · No hard credit pull · A mapped path to your best program
Check your eligibilityIndependent resource, not a lender