Guidelines, Criteria, and Terms & Conditions
Eligibility Criteria
Applicants must meet all the following requirements:
Business must be based and registered in the United States.
Business owners must be U.S. citizens or lawful residents of a U.S. state or territory and at least 18 years old.
Business must be legally registered and operating (for-profit or nonprofit) for a minimum of one year and in good standing with the Secretary of State.
The business must have generated at least $60,000 in revenue in the most recent fiscal year.
Applicants must have filed federal taxes for the most recent IRS deadline, or if a new business, provide financial statements showing 6–12 months of operations.
Applicants must maintain separate business and personal bank accounts, or be willing to open a business account before joining the program.
Applicants should be actively considering applying for business financing within the next 3–6 months.
Applicants must operate a business located in the United States in an eligible lending state. We do not currently lend in NV, ND, SD, DE, or VT.
Program Guidelines
Participants accepted into the loan & financial readiness cohort agree to the following:
Commit fully to the program for the entire 7-week duration.
Attend all scheduled sessions, workshops, and one-on-one coaching meetings.
Complete assigned coursework and submit required business information on time.
Actively participate in discussions, exercises, and peer learning sessions.
Maintain confidentiality and respect the privacy of other participants.
Provide accurate, updated business information and documentation as requested.
Be open to feedback from instructors, coaches, and lending professionals.
Failure to meet these expectations may affect eligibility to complete the program.
Terms and Conditions
Non-Discrimination: The loan & financial readiness cohort is open to all eligible applicants regardless of race, ethnicity, gender, religion, sexual orientation, or disability.
No Guarantee of Funding: Participation in the cohort does not guarantee loan approval or financing. Loan decisions are made independently by our lending team or partner lenders based on their criteria.
Program Commitment: Participants must actively engage in and complete all components of the program to gain the full benefit of the training and support provided.
Confidentiality and Data Use: All participant information will be used solely for program administration, coaching, and evaluation purposes. Aggregate data may be used for reporting and improvement, but individual business information will remain confidential.
Program Feedback: Participants may be asked to participate in surveys or interviews to help measure program outcomes and enhance future offerings.
Right to Dismiss: The program team reserves the right to remove participants who fail to meet eligibility, attendance, or engagement expectations, or who exhibit disruptive behavior.
Changes to Program: We reserve the right to modify session dates, schedules, or content if necessary and will notify participants of any changes in advance.