For existing Businesses that have five months of business bank statements, we have Merchant Business Funding which has a less strict requirement for the owner’s personal credit scores (620 minimum instead of the usual 750 scores needed for unsecured personal funding.  Provide us with your business bank statements, a one page application and we will have an answer for you within one business day.  The underwriter shave several criteria they use to calculate an offer; projected annual revenues based on the Business bank statements provided, type of industry etc.