Business lending is underwritten differently from consumer lending. Revenue history, time in business, and cash flow carry more weight than a personal credit score, though a personal guarantee is usually part of the structure.
Working capital — terms from 6 to 36 months
Debt consolidation of stacked merchant cash advances or high-cost short-term debt
Equipment and expansion financing
02
Baseline requirements
At least 24 months in business, minimum annual revenue of $150,000, 3 months of business bank statements, and a personal guarantee from owners holding 20%+.
03
The disclosure
Business financing is offered by Golden Rise Capital, Inc. All financing is subject to underwriting and approval. Commercial financing disclosures are provided as required by applicable state law, including Utah. Commercial loans are not consumer loans and are not subject to consumer lending protections.
