Know What You Need Before You Apply
Each program has its own current requirements. The lists below use the program facts confirmed for this website and do not add separate income, employment, or other criteria that have not been provided.
Personal Funding
- Funding amount: $10,000 to $500,000
- Minimum credit score: 670
- Terms: Up to 7 years
- No upfront fee
- Typical funding: 2 to 5 days
- Required: Completed The Final Loans loan application
Business Funding
- Funding amount: $10,000 to $1,000,000
- Minimum credit score: 600
- Minimum time in business: 6 months
- Terms: Up to 5 years
- No upfront fee
- Typical funding: Same day
- Required: Completed business loan application and recent 3 months of business bank statements
Business Line of Credit
- Credit limit: $10,000 to $2,000,000
- Minimum credit score: 650
- Minimum time in business: 6 months
- Terms: Up to 5 years
- Average interest rate: 3% to 13%
- No upfront fee
- Typical funding: Same day
- Required: Completed business loan application and recent 3 months of business bank statements
Loan Modification
- Minimum qualifying debt: $20,000
- Debt type: Unsecured business debt
- Debt handled: Business debt and MCA obligations
- No fee
- Typical timeline: 2 to 5 days
- Required: Completed business loan application, recent 3 months of business bank statements, and agreements or contracts signed with previous lenders
Documents by Program
Each program has its own current requirements. Check the documents for your program below before you apply.
Read the Business Funding Document Guide- Completed The Final Loans loan application
- Personal Funding
- Completed business loan application
- Business Funding
- Business Line of Credit
- Loan Modification
- Recent 3 months of business bank statements
- Business Funding
- Business Line of Credit
- Loan Modification
- Agreements or contracts signed with previous lenders
- Loan Modification
Use Accurate Information
Provide accurate information in your application. If a document contains an error or if information has changed, ask the appropriate party how it should be corrected. Do not alter financial documents to change their underlying facts.
Choose a Program and Apply
If you need personal financing, start with Personal Funding. If your business needs unsecured capital, explore Business Funding. If your business needs ongoing access to revolving credit, explore the Business Line of Credit. If your business is already carrying qualifying unsecured debt or MCA obligations, review Loan Modification.