# Funding Fit: Which Business Funding Fits You | 800ClubHub

> Find out why your business keeps getting told no on funding. Five short questions give you a readiness score and the one thing actually blocking your approval.

Canonical page: https://800clubhub.com/funding-fit

# Which funding route is actually yours?

Five questions. At the end you will know which route you qualify for today, which one you do not, and exactly what would have to change. Including if the honest answer is "neither yet".

## What is your personal credit score?

Your middle score across the three bureaus, if you know it.

1Under 580Rebuilding

2580 to 679Getting there

3680 to 739Strong

4740 or aboveExcellent

?I do not knowWe will treat this conservatively

### How is your business structured?

✓LLC or corporationFormally registered

—Sole proprietorTrading under my own name

—Nothing formal yetStill an idea or a side project

### Do you have an EIN?

A federal tax ID for the business. Issued free by the IRS in minutes.

✓YesThe business has its own tax ID

—No, or not sureFree and fast to fix

### What does the business deposit in a typical month?

Into a business bank account, not personal.

—Under $5,000Or nothing yet

1$5,000 to $15,000

2$15,000 to $50,000

3Over $50,000

### How many months of consistent deposits can you show?

Consistent matters more than large. Three is the usual threshold.

—Fewer than 3 months

33 to 5 months

66 to 11 months

1212 months or more

###

This is an estimate based on the answers you gave, not a credit pull, an application or a lender's decision. It is not guaranteed and it is not legal, tax or financial advice. Final eligibility, amounts and terms are set by the lender through its own underwriting.

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## What this checks, and why

There are two doors into business funding, and they open on completely different hinges. Most owners are only ever shown one of them, usually the one the person in front of them happens to sell.

Credit-based funding asks about you: a minimum 680 FICO, an established LLC or corporation, and an EIN. No revenue required. It reaches up to $250,000 and it is sized on what your credit profile says about how you handle obligations.

Revenue-based funding asks about the business: three months of bank statements showing consistent deposits. Your score is not the primary factor. It reaches into the millions and it is sized on cash flow.

The most useful answer this tool gives is sometimes "neither, yet". Applying to lenders you do not qualify for stacks hard inquiries on your report and signals distress to the next one who looks. Knowing you are three months of statements away is worth more than five rejections.

[Credit-based detail](/funding/credit-based) [Revenue-based detail](/funding/revenue-based)

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