What do I need to qualify for working capital?

Before we can send a request, a cash advance needs about 6 months in business and about $10,000 a month in revenue, plus recent business bank statements, usually the last 3 to 4 months. Meeting these minimums does not guarantee an offer; the funding partner decides.

Can a new business get working capital?

Rarely through our partners. Most of them need 6 months or more of revenue history, so a business that has just opened is usually not a fit yet.

Why can you not take requests from some states?

Rules for referral companies and brokers differ by state and by product. We only send requests where we and our funding partners can serve them under those rules, so a few states are excluded for some products, and Florida and Georgia for every product at this time.

Do you check my credit?

No. BrevoCapital does not check credit or make credit decisions. A funding partner may check credit after you agree to its application.

What We Need Before We Can Send a Funding Request

Most requests need a business with steady revenue: a cash advance needs about 6 months in business and about $10,000 a month in revenue; a working-capital loan or line of credit about 6 months in business and about $5,000 a month in revenue; equipment financing about 6 months in business and about $15,000 a month in revenue; SBA loans about 2 years in business. Meeting these minimums doesn't guarantee an offer; the funding partner decides.

Our minimums before a request is sent, by product, as of October 2026. A figure appears only when at least two of our live funding partners accept a business at that level.
Product	Time in business	Monthly revenue	What to have ready	States we can’t serve
Working capital: cash advance (revenue-based)	6 months	$10,000 a month	Recent business bank statements, usually the last 3 to 4 months Basic business details: legal name, address, time in business, industry Owner identification, given to the funding partner directly, never sent to us by email	Connecticut, Florida, Georgia, Missouri, Texas, Virginia
Working capital: term loan or line of credit	6 months	$5,000 a month	Recent business bank statements, usually the last 3 to 4 months A recent business tax return for larger requests Owner identification and a credit check, handled by the funding partner	California, Florida, Georgia, Missouri, North Dakota, Vermont
Equipment financing	6 months	$15,000 a month	A quote or invoice for the equipment, new or used Recent business bank statements Owner identification and a credit check, handled by the funding partner	California, Florida, Georgia, Missouri, North Dakota, Vermont
SBA loans	2 years	$10,417 a month	Two years of business and personal tax returns A year-to-date profit and loss statement and a balance sheet A debt schedule and the SBA forms the lender gives you	California, Florida, Georgia, Missouri, North Dakota, Vermont
Invoice factoring	Varies	Varies	Open invoices to business or government customers An accounts-receivable aging report Basic business details and owner identification	Florida, Georgia, Missouri

Industries most of our cash-advance partners can’t serve: broker, cannabis, financial services, real estate.

Want to see what an offer would cost? Use the working capital cost calculator. Ready to ask? Request working capital.

Source: Merchant Dash LLC partner programs (our minimums before a request is sent; a funding partner decides), as of October 2026. BrevoCapital is operated by Merchant Dash LLC, 12325 Academy Rd #11, Philadelphia, PA 19154, and is not a lender. We don’t charge you a fee to ask; funding partners disclose their fees before you sign.

Frequently Asked Questions

What do I need to qualify for working capital?: Before we can send a request, a cash advance needs about 6 months in business and about $10,000 a month in revenue, plus recent business bank statements, usually the last 3 to 4 months. Meeting these minimums does not guarantee an offer; the funding partner decides.
Can a new business get working capital?: Rarely through our partners. Most of them need 6 months or more of revenue history, so a business that has just opened is usually not a fit yet.
Why can you not take requests from some states?: Rules for referral companies and brokers differ by state and by product. We only send requests where we and our funding partners can serve them under those rules, so a few states are excluded for some products, and Florida and Georgia for every product at this time.
Do you check my credit?: No. BrevoCapital does not check credit or make credit decisions. A funding partner may check credit after you agree to its application.