A high bar — on purpose.
CreativeFi is selective by design. The qualifying call filters in both directions: it's how we protect our lenders, and how we make sure the program is genuinely right for you.
What a strong fit looks like.
You don't need every box checked to start a conversation — but the closer you are, the faster and stronger the outcome.
5+ years in business
Established operating history. Newer companies may still qualify with a strong personal guarantee.
$1M+ in annual revenue
Real top‑line volume. CreativeFi is built for substance, not survival financing.
Clean commercial credit
A healthy Paydex / Dun & Bradstreet profile and comparable trade debt.
No bankruptcies, liens, or judgments
No recent delinquencies or alarming derogatory marks on the business or guarantor.
680+ personal FICO
When a personal guarantee is required, a strong owner credit profile supports approval — think a clean PayNet report, bills paid on time, and a majority owner-operator standing behind the business.
A genuine use for capital
Growth, acquisition, recap, equipment, runway — a real reason, not a last resort.
What to have ready.
Nothing is required to start — the first call needs only a conversation. If we move forward, a complete file is short, and everything sensitive is handled through a secure channel.
See what you'd actually qualify for.
The first step is a short conversation — no documents, no obligation. Tell us about your business and we'll tell you, plainly, whether CreativeFi is the right fit.