Eligibility Checklist
A quick reference for which Inflection Financing products fit your business today.
Quick rule
Inflection Financing can usually fund any U.S. business with 6+ months operating history, $180K+ annual revenue, and 600+ personal credit. Larger facilities (SBA 7(a), CRE) require stronger metrics — see each product page for specifics.
SBA 7(a) Loans$50,000 – $5,000,000
- ✓Personal credit score 680+ (most cases)
- ✓2+ years operating history
- ✓Demonstrated cash flow / DSCR of 1.25x or higher
- ✓U.S. citizen or lawful permanent resident ownership
- ✓No prior SBA defaults or federal delinquencies
Bridge Loans$100,000 – $10,000,000
- ✓Clear exit / take-out source (refinance, sale, receivable)
- ✓Asset coverage or strong cash flow
- ✓Minimum $500K annual revenue
- ✓Demonstrated repayment plan within term
Term Loans$50,000 – $5,000,000
- ✓$250K+ annual revenue
- ✓12+ months operating history
- ✓Personal credit 660+
- ✓DSCR 1.20x or higher
Working Capital$25,000 – $2,000,000
- ✓$15K+ monthly revenue
- ✓6+ months operating history
- ✓Personal credit 600+
- ✓U.S. business bank account with 3+ months of statements
Equipment Financing$25,000 – $5,000,000
- ✓$100K+ annual revenue
- ✓2+ years operating history
- ✓Personal credit 650+
- ✓Equipment quote or invoice
Commercial Real Estate$250,000 – $15,000,000
- ✓20% to 30% down payment (10% on SBA 504)
- ✓DSCR 1.25x or higher
- ✓Personal credit 680+
- ✓Stabilized occupancy for investment property
Ready to deploy capital?
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