Who this is generally built for
Businesses that are open and operating, but carry something a traditional bank checklist would flag on sight — credit history, industry, or a thinner file.
- Personal credit score: approvals exist as low as the 500s; some partners consider files case by case below that
- Time in business: generally at least 6 months of real operating history
- Past credit events: a prior default, judgment, or bankruptcy doesn't automatically rule you out — timing and documentation matter
- Industry: some industries face more caution than others; the fit is checked before you're quoted anything
These are general patterns across the funding partners 1Prime Capital works with, not a promise for any single file. Some industries and situations still can't be placed, and you'll be told plainly if that's the case.
What to expect
Terms here typically cost more than an established-business offer — that trade-off is what makes funding possible where a bank says no.
Amounts, term length, and pricing are set file by file. Ask for the full repayment total in writing before you accept any offer, and ask what would need to change to qualify for better terms next time.
How to move forward
One honest application is the only way to see your real options — guessing from a checklist online won't tell you what a real underwriter will say.
1Prime Capital reviews your file and tells you plainly what's available, what it costs, and what would help next time. No pressure to accept anything you see.
What you’ll typically need
- Recent business bank statements
- Basic business and ownership details
- A short description of what the funds are for
Frequently asked questions
Is this a direct loan from 1Prime Capital?
1Prime Capital helps businesses get funded through its funding partners. This tier is placed through partners built to review credit and industry case by case, not funded directly by 1Prime Capital.
I was declined elsewhere — is it worth applying again?
Often, yes. Different funding partners weigh credit, industry, and cash flow differently, so a decline in one place doesn't mean a decline everywhere.
Does my industry matter?
Yes — some industries face more caution from funding partners than others. 1Prime Capital checks this before showing you any offer, so you're not quoted something that won't hold up.
Will this cost more than a typical business loan?
Usually. Funding that looks past credit history or a harder industry typically costs more than a bank loan or an established-business line. You'll see the full cost before deciding.
What if I have an open bankruptcy?
Most funding partners require a bankruptcy to be discharged or dismissed, with documentation, before they'll consider a file. Ask specifically about your situation when you apply.
See your real options
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · 1Prime Capital Funding Team