Business Loans

At Capital City Funding LLC, we provide flexible, strategic business financing designed to fuel growth, stabilize cash flow, and help companies operate with confidence. Whether you’re expanding your operations, upgrading equipment, or navigating a temporary cash flow gap, our nationwide lender network delivers competitive solutions tailored to your goals.

Business Loan Guidelines

Capital City Funding LLC, To help business owners secure fast and reliable funding, Capital City Funding LLC has established clear guidelines for our Business Loan programs. These requirements ensure we can match applicants with the most suitable lenders and provide a smooth, efficient approval process.

Minimum Requirements

Minimum Monthly Deposits: $5,000
Businesses must show a minimum of $5,000 in total monthly bank deposits across their primary business account.

This requirement helps verify active revenue and ensure loan eligibility.

Additional Eligibility Guidelines

Time in Business
Most programs require:

Minimum 3–6 months in business for working capital or revenue-based funding
12+ months for stronger term loan options
2+ years preferred for traditional or SBA programs

Business Bank Account

Applicants must maintain an active business checking account with consistent activity. (Personal accounts may be accepted for sole proprietors on select programs.)

Monthly Revenue & Cash Flow

Lenders will review:

Total monthly deposits
Average daily balance
Cash flow stability
NSF or overdraft history

Higher and more stable deposits often lead to better offers, lower rates, and longer terms.

Credit Guidelines

We work with all credit profiles. General ranges include:

500+ FICO for revenue-based or working capital loans
600+ FICO for some term loans
650+ FICO for SBA and premium-rate programs

Credit is only one factor—cash flow and revenue stability matter more for most programs.

Documentation Needed

Documentation may vary by loan type, but most programs require:

Valid identification
Last 3 months of business bank statements
Voided check
Application or digital authorization form

Full financials may be required for SBA, term loans, or large funding requests.

Loan Amounts & Terms

Funding Range:

$5,000 – $5,000,000+ depending on program and revenue
Working capital loans typically range from $5,000 – $350,000
Term loans, asset-based loans, and SBA can exceed $500,000 – $5M

Terms & Rates:

Short-term: 3–24 months
Term loans: 1–10 years
SBA: up to 25 years
Rates vary based on credit, cash flow, and industry

Disqualified or High-Risk Scenarios

Some situations may limit available programs:

Excessive recent NSF/overdraft activity
No business bank account
Less than $5,000/month in deposits
Open bankruptcies
Certain restricted or high-risk industries
(We can often still find alternative solutions—just ask.)