How to Get Business Capital
From application to funded account — Paylo Capital gets capital into your hands without the runaround. Here's exactly what to expect.
Required Real Estate Documents
Document requirements for Real Estate Based Loans. You can upload your documents directly to underwriting using the upload portal below, or email them to [email protected].
650 Credit Score
Minimum 650 credit score required for real estate-based loan qualification.
4 Months Bank Statements
Most recent 4 months of business or personal bank statements showing consistent cash flow.
3 Years Tax Returns
3 years of business or personal tax returns (federal filings required).
YTD P&L / Balance Sheet
Year-to-date Profit & Loss statement, Balance Sheet, Debt Schedule, and AR Report.
Personal Financial Statement
PFS (Personal Financial Statement) completed and signed by all principal owners.
Driver's Licence
Valid government-issued driver's licence for all owners with 20%+ ownership stake.
Voided Check
Voided business check for ACH deposit verification and bank account confirmation.
Business Documents
Articles of Incorporation, LLC Operating Agreement, or other entity formation documents.
Upload Your Documents Directly to Underwriting
You can upload your documents directly to underwriting by using the SELECT FILES UPLOAD PORTAL below. If you find it easier to email documents, attach and send to:
Upload Your Documents NowBasic Eligibility Requirements
Most established businesses qualify. Here's what we look for.
Time in Business
6+ months operating
Monthly Revenue
$15,000+ gross per month
Business Type
Most industries accepted
Credit Score
All credit profiles considered
Location
U.S.-based businesses only
Bank Account
Active business checking account
Frequently Asked Questions
How long does the application take?
Most applicants complete the online form in under 10 minutes. Our team reviews submissions and typically responds with an offer within 24 hours on business days.
Will applying affect my credit score?
Our initial review uses a soft pull that does not impact your credit score. A hard inquiry may be required for certain products like SBA loans, and we'll always notify you before that occurs.
What documents will I need?
For most products you'll need 3–6 months of business bank statements and basic business information. SBA loans require additional documentation including tax returns and financial statements.
How fast can I get funded?
Merchant Cash Advances and Business Term Loans can fund in as little as 24–48 hours after approval. SBA loans typically take 2–8 weeks due to federal processing requirements.
Can I apply if I have bad credit?
Yes. We evaluate your full business profile — not just your credit score. Strong monthly revenue and consistent bank deposits can offset a lower credit score for many of our products.
Is there any obligation when I apply?
None. Submitting an application is free and carries no obligation. You review your offer and only move forward if the terms work for your business.
Ready to Get Started?
Apply now and get a real offer in as little as 24 hours. No obligation. No runaround.