Business funding in New Jersey.

No. Applying does not affect your credit score. We use a soft credit pull to review your application, and a soft pull is not visible to other lenders and does not lower your score.

A hard inquiry only happens if you decide to move forward with an offer. That is the kind of check that can temporarily lower your score by a few points and stay on your report for up to two years. You will know before it happens.

There is no single cutoff, because credit score is not the main thing being evaluated. For revenue based funding, what matters most is how long you have been in business, your monthly revenue and how steady it is, your recent bank deposits, and whether you have existing advances outstanding.

Business owners with credit well below traditional bank standards are regularly approved for revenue based products. What we do look for is at least six months in business and at least $20,000 in monthly revenue.

As a practical floor, we work with credit scores of 500 and above. Above that line, your revenue and your deposit history matter far more than the score itself.

Two things: your last four months of business checking account statements, and a completed application.

That is the whole list. Having the statements ready before you start is the main difference between a decision today and a decision next week.

Most applicants receive an initial decision within hours.

An initial decision is not the same as funded money. It tells you whether you qualify and roughly what the terms look like.

Once you accept an offer and your documents are in, funding is typically completed within 24 hours. Some files move faster than that, in as little as four hours from application to funding.