Where the thresholds actually sit
Under 6 months: hard. Equipment financing is the most realistic route, because the equipment secures the loan and reduces how much history matters.
6 to 12 months: most revenue-based options open up. Expect pricing at the higher end and smaller amounts than your revenue alone would suggest.
12 to 24 months: better pricing, larger amounts, and a line of credit becomes realistic.
2 years and beyond: banks and SBA lenders will look at you.
What matters more than the months
Consistency. Eight months of steady deposits beats eighteen months of erratic ones. Underwriters are looking for a pattern they can extrapolate.
Deposit volume. Most funders want to see around $15,000 a month minimum, and $30,000 opens materially more.
Whether the business is growing. A trend upward across those eight months reads very differently from a trend down.
What to expect on price and amount
Newer businesses get shorter terms and higher factor rates. That is the risk being priced, not a penalty.
Advances typically land at 50 to 150 percent of one month's revenue. At eight months trading, assume the lower half of that range.
The offer improves quickly. Coming back at eighteen months with the same revenue usually produces materially better terms.