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Find Your Fit

Not Every Business Qualifies for the Same Thing — Here's How to Tell Which Path Fits

ROI Funder works with funding partners across three tiers of qualification, with two products available at the top tier, because a 10-year-old company with strong credit and a 6-month-old business rebuilding after a rough year need different numbers to work. Here's an honest look at where your business likely fits.

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Line of Credit Up to $350,0003+ years in business, 650+ credit, $25K+/month revenue. Line of credit up to $350,000.See if this fitsTerm Loan Up to $250,0003+ years in business, 650+ credit, $25K+/month revenue. Term loan up to $250,000.See if this fitsGrowing Business6 months to a few years in business, building credit, steady deposits. Smaller amounts, shorter terms, room to grow into better pricing.See if this fitsSecond LookPast credit challenges or a harder industry. Reviewed by hand — approvals exist even where a bank said no.See if this fits

Compare the three at a glance

Time in business, credit, and revenue are the three things that move a file from one tier to another, and each tier changes what the true cost and payback of an offer look like.

TierTime in businessCreditMonthly revenue
Line of Credit Up to $350,0003+ years650+$25,000+
Term Loan Up to $250,0003+ years650+$25,000+
Growing Business6 months–1 year+500–550+$8,000–$25,000+
Second Look6 months+As low as 500s, case by caseReviewed individually

Frequently asked questions

What if I'm not sure which tier fits?

Apply once — ROI Funder reviews your file and matches it to the right tier itself. You don't need to guess.

Can I move from one tier to another over time?

Yes. Businesses commonly start at Growing Business or Second Look and move into Established Business terms as revenue and credit history build.

Does applying commit me to anything?

No. One secure application shows your real options, and you decide whether to accept any offer.

How should I compare offers across tiers?

Always compare the total repayment amount and true term length, not just the payment size — that's the only way to see which offer actually costs less.

Find out where you fit

One secure application. No obligation to accept an offer.

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Updated September 14, 2026 · Roifunder Funding Team