Eligibility
Do you qualify?
Borrowrig underwrites established small businesses with real operating history. Here's what qualifies you — and what rules you out. No guessing required.
12+ months operating
$20K+ monthly revenue
US-based business
Accounting or bank connection
Qualification criteria.
Time in business
12+ months operating history
Monthly revenue
$20,000+ average over the last 6 months
Business type
US-based LLC, S-Corp, C-Corp, or sole proprietor
Industry
Most industries — no cannabis, gambling, or adult content
Data connection
QuickBooks, Xero, FreshBooks, or direct bank connection via Plaid
Credit score
Not required for initial decision (soft pull only for ID verification)
Common questions about qualifying.
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A bank decline doesn't affect your Borrowrig application. Banks underwrite on FICO scores and tax returns — instruments that often miss the current financial picture of a business. Borrowrig underwrites on live cash flow and revenue data from your accounting software and bank account. A strong recent operating history is what matters here, not what happened two years ago.
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We do not run a hard credit pull. During ID verification we may run a soft inquiry that does not affect your credit score. Our underwriting decision is based on your business data — not your personal FICO.
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We work with most US small business industries: retail, professional services, manufacturing, logistics, construction, hospitality, healthcare services, and more. We do not lend to cannabis businesses, gambling operations, or adult content providers.
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We also connect to Xero, FreshBooks, and major US business banks directly via Plaid. If you use different accounting software or bookkeeping, contact us — we review connections case-by-case.
Meet the criteria? Apply today.
Connect your accounting data in 5 minutes. A credit decision within hours.