- At least 12 months in business
- $25,000+ per month in business bank deposits
- Recent business bank statements (usually the last 3–4 months)
- No open defaults on existing advances
Meeting these minimums does not guarantee approval; funders make all decisions.
Business-funding brokerage, not a direct lender.
Read disclosure UrLendr connects business owners with independent funding providers. Funders make all approval decisions and set all terms. Approval is not guaranteed.
Frequently asked questions
Can I qualify with bad credit?
Many funders weigh deposits and cash flow heavily, but credit can still affect approval and terms.
Is there a minimum time in business?
Generally at least 12 months (1+ year).