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Not Every Business Qualifies for the Same Thing — Here's How to Tell Which Path Fits

50 States Funding works with funders across three tiers of qualification — with two products available at the top tier — because a decade-old company with strong credit and a 6-month-old business opening its first out-of-state location need different things. Here's an honest look at where your business likely fits, no matter which state you're calling from.

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Line of Credit Up to $350,0003+ years in business, 650+ credit, $25K+/month revenue. Line of credit up to $350,000, available in most states.See if this fitsTerm Loan Up to $250,0003+ years in business, 650+ credit, $25K+/month revenue. Term loan up to $250,000, available in most states.See if this fitsGrowing Business6 months to a few years in business, building credit, steady deposits. Smaller amounts, shorter terms, room to grow into better pricing.See if this fitsSecond LookPast credit challenges or a harder industry. Reviewed by hand — approvals exist even where a bank said no.See if this fits

Compare the three at a glance

Time in business, credit, and revenue are the three things that move a file from one tier to another, and the same standards apply everywhere 50 States Funding operates.

TierTime in businessCreditMonthly revenue
Line of Credit Up to $350,0003+ years650+$25,000+
Term Loan Up to $250,0003+ years650+$25,000+
Growing Business6 months–1 year+500–550+$8,000–$25,000+
Second Look6 months+As low as 500s, case by caseReviewed individually

Frequently asked questions

What if I'm not sure which tier fits?

Apply once — 50 States Funding reviews your file and matches it to the right tier itself. You don't need to guess.

Can I move from one tier to another over time?

Yes. Businesses commonly start at Growing Business or Second Look and move into Established Business terms as revenue and credit history build.

Does applying commit me to anything?

No. One secure application shows your real options, and you decide whether to accept any offer.

Does it matter which state my business is in?

The review standards are the same nationwide. A small number of states aren't currently eligible for every product — apply to see what's available where you operate.

Find out where you fit

One secure application. No obligation to accept an offer.

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Updated September 14, 2026 · 50 States Funding Funding Team