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In order to qualify for business equipment financing, you’ll typically need a FICO score of at least 650 – or 6 months of business history and at least $120,000 in annual revenue.
While banks and credit unions have low approval rates, TRAM offers enormous flexibility when it comes to qualifying for equipment financing.
With a FICO score of 650 or higher, you may be able to forgo time in business and monthly revenue requirements entirely. You can still secure funding if your FICO score is less than 650, but you’ll need to show at least 6 months of business history and $120,000 in annual revenue. This setup is ideal for newer businesses and startups, or those that may be otherwise rejected by traditional banks.