At Coast Funding, one of the most common questions we hear from prospective clients is: “Do I qualify?”
Whether it’s through social media, referrals, or inbound inquiries, business owners want to know what it takes to work with us — and rightfully so.
This article is designed to answer that question. We want to provide clarity around who we typically serve, what our ideal client profile looks like, and how we approach business funding. Our goal is to help you make an informed decision about whether applying with Coast Funding is the right next step for your business.
In the world of business financing, perception rarely matches reality. At Coast Funding, we’ve built a boutique firm that prioritizes relationships, responsible growth, and strategic capital deployment.
There’s a lingering myth in the world of small business finance that alternative funding is a last resort. We hear it in comments like: “If I were doing $200K in revenue, I wouldn’t need you.” The truth is, most of our clients aren’t doing $200K per year in revenue — they’re doing multiples of that. In fact, the average business we fund generates over $2 million in annual revenue.
The companies we work with aren’t looking for a lifeline, they’re looking for leverage. We serve high-performing operators who are looking to move quickly, seize opportunities, and stay ahead of the competition. Many of our clients are referred by accountants, financial advisors, and banks — professionals who trust us to deliver when timing, discretion, and reliability matter most.
These are seasoned entrepreneurs who understand that access to capital is a tool, not a crutch. They’ve been through bank applications that take 45-60 days, only to be met with a “maybe.” They’ve outgrown the one-size-fits-all approach and are looking for a partner who actually cares about their business.
While no two companies are exactly alike, most of our clients share a few common traits:
- Revenue: Minimum of $200K, with most generating $1M–$10M+ in annual revenue
- Credit: Minimum of 600 credit score, with most applicants at 700+
- Top Industries: Medical, Healthcare, Construction, Hospitality, Manufacturing, Retail
- Time In Business: 82% of clients have been in business for 3 years or more
- Mindset: Strategic, relationship-driven, not transactional
They’re not looking for a band-aid. They’re looking for a partner. They value the speed and flexibility of our process, but more importantly, they value our ability to understand their business, not just their bank statements or credit score.
At Coast Funding, we don’t try to replicate the bank experience, we are intentionally different. No cookie-cutter terms. No endless paperwork. We offer thoughtful, fast, and flexible capital from experienced Funding Advisors who take the time to understand your business and who value long-term relationships over short-term gains.
In uncertain markets, our clients don’t freeze — they get strategic. When inventory prices dip, they buy. When competitors pull back on marketing, they double down. When opportunity knocks, they answer, and we make sure capital is there when they do.
Coast Funding isn’t the right fit for every business, and that’s okay.
We’re built for operators who are serious about growth, disciplined in their numbers, and ready to work with a partner who sees the full picture. Whether you’re scaling past seven figures or making the leap to that next milestone, what matters most to us is your mindset, your momentum, and your vision.
If that sounds like you, and you’re ready to take the first step, let’s get started!