---
title: "Ask a Question | Funded Experts"
description: "Quick answers about qualifying, rates, terms, and how applying works at Funded Experts."
url: "https://fundedexperts.com/resources/ask-ai"
---

# Have a question? *Ask away.*

Type a question about qualifying, rates, or how applying works. For anything specific to your business, an underwriter is one click away.

All answers, by topic

**What do I need to qualify?**

For most products you need 6 months in business and $5,000 or more in monthly deposits. Checking your options never affects your credit. For anything specific to your business, an underwriter can walk you through it.

**How much monthly revenue do I need?**

Most products start at $5,000 a month in business bank deposits, measured over your last four months of statements. Lines of credit and larger term loans start a bit higher.

**How long do I need to have been in business?**

Most products need 6 months in business. Newer businesses with strong deposits can still qualify for an advance; an underwriter can tell you quickly.

**What credit score do I need, and do you check my credit?**

We work with scores as low as 500 on some products. Bank deposits matter far more to us than your score. Applying involves no credit check; we run a soft inquiry only when you first accept an offer, and never a hard pull.

**What documents do I need to apply?**

Four months of business bank statements. If you already have advances open, we also ask for the payoff balances. No tax returns or business plan.

**Can I qualify if a bank already declined me?**

Very likely. 8 out of 10 clients who were declined by a bank get funded with us, because we underwrite on cash flow rather than collateral or a credit cutoff.

**How does a merchant cash advance compare to a term loan?**

A merchant cash advance is repaid as a small percentage of daily sales, so payments rise and fall with revenue and funding is fast. A term loan has fixed monthly payments over a set number of months and usually costs less if your cash flow is steady.

General guidance only. Your actual terms depend on your bank statements.

## Rather talk to a person?

Our underwriters answer questions about your specific situation, no application required. Send your bank statements and someone will call you the same day.

[Talk to an underwriter](https://fundedexperts.com/solutions/financing-plan) [I'm a broker or investor](https://fundedexperts.com/resources/partnerships)

- No fee, no obligation
- No credit check to apply; a soft inquiry only when you accept an offer
- Same-day callback on business days

## Ready when you are.

Most questions get answered fastest by an underwriter looking at your actual numbers.

[Check your eligibility](https://fundedexperts.com/apply) [Talk to an underwriter](https://fundedexperts.com/solutions/financing-plan)

No credit check to apply. A soft inquiry only when you accept an offer, never a hard pull.