Business Loan 6 Months in Business

Six months is exactly the threshold where most alternative lenders start saying yes. You don't need two years of tax returns or a decade of operating history, you need six months of bank statements showing consistent revenue. For most MCA and working capital lenders, the minimum is $10,000-$15,000 per month in deposits with at least 6 months of history. If your business hit that mark, Quordx Capital can match you with lenders designed for early-stage businesses. This is the edge of the qualification window, and you're in it.

Part of our guide to Business Loans.

Last updated July 1, 2026 · Reviewed by Cody Dreis

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