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Qualification Criteria

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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 are ready to assist you throughout the process. Below you find a list of our financing program’s criteria and required documentation.

Revenue-Based Business Loans

  • 4 Months of Operation
  • $10,000 or more in monthly revenue
  • Less than 7 days with negative balances per  month
  • No Minimum credit score

Merchant Cash Advance

  • 4 Months of Operation
  • $10,000 or more in credit card sales
  • Less than 7 days with negative balances per  month
  • No Minimum credit score

Hard Money Real Estate Loans

  • Minimum Property Value of $100,000
  • Purchase or Cashout Refinance – LTV from 60% to 80%
  • Real Estate Held Under LLC or Corp
  • Active US Bank Account

Equipment Financing

  • 6 Months of Operation
  • $10,000 or more in monthly revenue
  • Credit Score of 550+
  • Invoice related to business-related equipment

1-5 Year Term Loan

  • 660+ Credit Score Minimum
  • At least 2 Years in Business
  • $150,000 minimum in annual revenue
  • No bankruptcies in last 7 years & No Sole proprietorships

Commercial Real Estate Mortgages

  • Loan from $50K to $50MM
  • Purchase or Cashout Refinance – LTV from 60% to 80%
  • All Property Types Eligible
  • Active US Bank Account