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 At Decline Funding, we believe that access to capital should not be limited by rigid rules and traditional lending restrictions. Our funding criteria are designed to open doors for merchants who have been overlooked or declined elsewhere. By focusing on flexibility and transparency, we provide clear guidelines that give every business a fair opportunity to secure the funding it needs. 

 We understand that every industry contributes to the economy in its own way. While traditional lenders often exclude sectors they consider “high risk,” we do not place limits on the type of business you operate. Whether you run a restaurant, a retail store, a transportation company, or a service-based business, you remain eligible for funding. Our mission is to empower all entrepreneurs without discrimination. 

 Unlike banks or other lenders that demand minimum revenue thresholds, we do not impose minimum or maximum income requirements. This means that small businesses, startups, and companies with seasonal or fluctuating revenue still qualify for consideration. Whether you generate $10,000 or $1,000,000 in monthly revenue, you are eligible to apply. 

 While our criteria are broad and flexible, we do maintain one critical restriction: merchants with open, active defaults are not eligible for funding. This ensures that both the merchant and the funder enter into the agreement on stable financial terms, reducing unnecessary risk while still remaining highly inclusive compared to traditional underwriting standards. 

Our approach to funding positions varies by jurisdiction to remain compliant with state laws.

• Texas Funding Rules: In Texas, we only provide first-position advances. Second-position deals are not eligible due to state-specific legal requirements.
   
• All Other States: Across the rest of the U.S., we fund deals in all positions, provided they do not conflict with the restriction on open active defaults.
   

This allows us to maintain compliance while still providing nationwide coverage and maximum flexibility.

 Perhaps the most defining element of our criteria is our commitment to making an offer wherever others decline. If your business has been turned away by another lender, we will evaluate your application with a fresh perspective. Our model is designed to approve where traditional underwriting cannot, ensuring that Independent Sales Organizations (ISOs) and merchants always have a solution available.