Chapter 3
| Company | Product Type | Key Requirements | What They Specifically Look For (Targets) | Notes |
|---|---|---|---|---|
| Ramp | Corporate Card/Line | - $25,000+ in US business bank account - Registered as corporation, LLC, or LP in US - Most operations/spending in US - Physical US address (no PO box/virtual) |
- Steady bank balance for risk assessment - Business entity and location for compliance |
No PG, no personal credit check; reports to D&B, Experian Business, Equifax Business. Pre-approval via D&B, final via Plaid/bank data. |
| Brex | Corporate Card/Line | - $50,000+ min cash balance (for venture-backed startups; higher for established companies; lower possible via referrals/partners) - US-registered business - Strong cash flow/revenue history |
- Cash reserves and funding raised for limit setting - Growth potential (e.g., startups) via bank connections |
No PG, no personal credit check; focuses on business finances. Reports to business bureaus. Up to $500K+ limits; Plaid for revenue verification. |
| Bluevine | Line of Credit | - 625+ personal credit score - 1+ year in business - $10,000+ monthly revenue ($120K annual) - US business with valid checking account |
- Monthly deposits/revenue via Plaid - Credit score and business age for approval |
PG required; soft pull (no impact on score). Up to $250K; reports to business bureaus. Fast funding (same-day possible). |
| Fundbox | Line of Credit/Invoice Financing | - 6+ months in business - $100,000+ annual revenue - US business with compatible bank/accounting software (e.g., Plaid-connected) |
- Cash flow and invoice/payment history via Plaid - Consistent deposits (e.g., 2-8K/month viable for smaller lines) |
No PG for most; no personal credit check (business-focused). Up to $150K; reports to D&B and Experian Business. Weekly payments standard (monthly via Plus upgrade). |
| Mercury | Credit Line (add-on to banking) | - No strict min revenue/balance, but steady cash flow (e.g., $5,000+ monthly deposits recommended) - US-registered business - Active Mercury banking account |
- Transaction history and balances via internal data (no Plaid needed if banking with them) - Growth signals from deposits |
No PG; no hard credit check. Up to $250K; reports to business bureaus. Ideal for startups with banking ties. |
| Novo | Credit Builder Line (with banking) | - No min revenue required; low thresholds for starters - 3+ months in business - US business with Novo checking account |
- Transaction volume and clean history via Plaid/internal banking - Basic activity (e.g., 2-8K/month flow) |
No PG; soft business check. Up to $50K; reports to D&B. Great for low-volume businesses building credit. |
| Amex Business Line | Business Line of Credit | - 660+ personal credit score - 6+ months in business - $3,000+ monthly revenue - US business |
- Revenue and credit score via application - Payment history for ongoing limits |
PG required; hard pull. Up to $250K; reports to business and personal bureaus. Flexible draws. |
| Lili | Secured Credit Card/Line | - No min revenue/credit score (secured by deposit) - US sole prop, LLC, or corp - Active Lili business checking |
- Deposits and spending patterns via app - Low-volume OK (e.g., freelancers with 2-8K/month) |
No PG; no credit check (secured). Up to deposit amount; reports to all major bureaus. Ideal for credit building. |
| Stripe Capital | Loans/Merchant Cash Advances | - $1,000+ in processing payments - 6+ months of consistent payments on Stripe - US or UK business |
- Stripe processing volume and history (daily updates in dashboard) - Payment trends for offer generation |
No PG; no credit impact. Offers typically on month 7; repay from future sales (10-15% fee). No docs needed. |