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Qualification Criteria

Home - 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. 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

  • 4 Months of operation
  • $20,000 or more in credit card sales
  • Less than 7 days with negative balances per  month
  • No minimum credit score

Revenue-based business loans

  • 4 Months of Operation
  • $20,000 or more in monthly revenue
  • Less than 7 days with negative balances per  month
  • No Minimum credit score

Business line of credit

  • 640+ credit score minimum
  • At least 1 year in business
  • $20,000 or more in monthly revenue
  • No bankruptcies or judgements

Equipment financing

  • $20,000 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 $150K to $50M
  • Purchase or cashout refinance – LTV from 60% to 80%
  • Real estate held under LLC or Corp
  • Active US bank account

Commercial real estate mortgages

  • Loan from $150K to $50M
  • Purchase or cashout refinance – LTV from 60% to 80%
  • All property types eligible
  • Active US bank account

Give us a call 1-866-257-2973

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