The Four C’s of Business Lending

When lenders evaluate a client’s fundability, they look for one of the Four Cs. But the good news? You only need one to qualify for business funding.

The first C is Cash Flow. If you have an existing business with strong, verifiable cash flow, you’re in a great position to qualify for funding. Programs like Business Revenue Lending rely on steady income to approve financing.

If you don’t have cash flow, your business might still qualify based on the second C—Collateral. Collateral refers to business assets like equipment, purchase orders, or accounts receivable. Using these assets as security can significantly increase your approval chances.

No cash flow or collateral? No problem. The third C is Business Credit. Lenders often approve funding based on your business credit profile and score. If you have a solid business credit history, you can leverage it for financing. And if you don’t have business credit yet, call me—I can help you build an excellent profile quickly.

If you’re just starting out with no business credit, cash flow, or collateral, you can still qualify using the fourth C—Personal Credit. Many unsecured credit lines rely solely on your personal credit score, without requiring revenue or financial statements.

At the end of the day, you only need one of the Four Cs to access business funding. Let’s find the best option for you and get your business the financing it needs!