Every week, our Business Funding Advisors field the same handful of questions from established owners exploring their options: Will I qualify? How much can I access? How fast does it move? This page collects the direct answers in one place, so you can evaluate whether Coast Funding fits your capital strategy before you ever fill out an application.
If you’d rather start with the fundamentals, our guide to business funding and how it works covers the full landscape. The answers below focus on the practical questions owners ask us most.
What Are Coast Funding’s Minimum Qualifications?
Coast Funding works with established businesses that have at least one year of operating history, $100,000 or more in annual revenue, and a minimum 600+ FICO score. Our Business Line of Credit carries a higher revenue threshold of $200,000+.
| Requirement | Minimum |
|---|---|
| Annual revenue | $100K+ (most programs); $200K+ for the Business Line of Credit |
| Time in business | 1+ year |
| Credit score | 600+ FICO |
Meeting the minimums gets you in the door; consistent cash flow and strong average bank balances are what drive the strongest approvals and terms. Curious how your profile stacks up against our typical client? See who works with Coast Funding — the answer might surprise you.
How Does the Process Work?
The application takes less than five minutes and involves no hard credit pull, so exploring your options carries no risk to your personal credit. From there, a dedicated Business Funding Advisor reviews your business, presents the programs you qualify for, and walks you through the numbers — including how your rate is actually determined. Most clients move from application to funding in 24 hours to a week.
The Coast Difference
Markets shift, lending standards tighten and loosen, and the options available to business owners change with them. What doesn’t change is our approach: responsible funding matched to the actual need, a relationship with an advisor who understands your business, and a renewable source of capital you can return to as you grow. Whatever question brought you here, we’re glad to answer the next one directly — that’s what we’re built for.
Frequently Asked Questions
Will I get approved for business funding?
Approval depends on revenue, time in business, and credit profile. Coast Funding's minimum qualifications are $100,000+ in annual revenue for most programs ($200,000+ for the Business Line of Credit), at least one year in business, and a minimum 600+ FICO score. Established businesses with consistent cash flow and strong average bank balances have the highest likelihood of approval.
How much business funding can I receive?
Funding amounts are determined primarily by your business's gross revenue and what its cash flow can comfortably support. A common misconception is that the owner's personal credit score sets the number — credit affects which programs are available, but revenue and cash flow determine the amount. A Business Funding Advisor can walk you through what each program supports for a business like yours.
How long does the business funding process take?
The application takes less than five minutes, decisions often come the same day, and most clients are funded within 24 hours to a week of applying. Timelines vary by program — Coast's fully online Swell program can deliver approvals in as little as 15 minutes, while SBA loans typically take 60 to 90 days from application to funding.
Does applying for business funding affect my credit score?
No — applying with Coast Funding involves no hard credit pull. We use a soft pull to verify identity, which will not impact your personal credit score. That means you can explore your options and review real numbers before making any commitment.
What types of business funding does Coast offer?
Coast Funding offers a Business Line of Credit, Working Capital, a Term Option, Equipment Financing, SBA loans, and Swell — a fully online revenue-based funding program. Each is structured for a different purpose and timeline, from short-term flexibility to multi-year equipment purchases. A dedicated Business Funding Advisor matches the program to the need, not the other way around.
What are common mistakes businesses make when seeking funding?
The most common mistake is mismatching the funding term to the need — financing a short-term expense with long-term debt, or a long-term project with short-term capital. Other frequent missteps include waiting until a challenge has already arrived to apply, and focusing on the monthly payment instead of the total cost of capital. Establishing a funding relationship early leads to better terms and better decisions.
Ready to explore your funding options?
Speak with a dedicated Business Funding Advisor about the right structure for your business. No hard credit pull to apply.
This content is for educational or informational purposes only and should not be taken as legal or financial advice. The information in this content does not necessarily reflect the views of Coast Funding Services LLC or its partners.
*Closing documents must be completed by 11 AM PT Monday through Friday to receive funds the same business day. Weekend approvals will be processed the following business day.