Qualification Criteria

TO QUALIFY FOR ONE

OF GOKAPITAL’S LOAN PROGRAMS

Whether for your business or real estate, you will first need to meet the qualifications for each program.

See Business Loan Guidelines or

See Real Estate Loan Guidelines

Our team of financial experts is ready to assist you throughout the process.

Below you find a list of our financing program’s criteria and required documentation.

Merchant cash advance

12 months of operation
$30,000 or more in credit card sales
Less than 7 days with negative balances per month
No minimum credit score

Revenue-based business loans

12 Months of Operation
$30,000 or more in monthly revenue
Less than 7 days with negative balances per month
No Minimum credit score

Start-up Business Loan or Personal Loan

700+ Credit Score
Less than 45% Utilization
At least 5 Tradelines
Minimal Recent Inquiries

Equipment financing

$30,000 or more in monthly revenue
Credit score of 550+
Invoice related to business-related equipment
6 months of operation

Hard money real estate loans

Loan from $100K to $50M
Purchase or cashout refinance – LTV from 60% to 80%
Located in the US
Non-owner occupied investment property

Commercial real estate mortgages

Loan from $100K to $50M
Purchase or cashout refinance – LTV from 60% to 80%
All property types eligible
Credit Score of 580+

SBA 7a Loan

Loans from $200K to $5MM
Credit Score of 680+
2 Years in Business
Profitability on Business Tax Returns

Business Loan Consolidation

Refinance $50,000 to $5,000,000
Credit Score of 550+
1 Year in Business
No Default History

HAVE ANY QUESTIONS?

We’re here to help. Send us an email or call our experts at 1-866-257-2973