Business moves fast in 2025—and if you’re not ahead of the curve, you’re already behind it.
Whether you’re trying to scale, stabilize, or just stay in the game, fast access to capital isn’t just nice to have. It’s necessary. It’s leverage. It’s survival.
According to Business Insider, 21.5% of businesses fail within their first year. That number jumps to 34.9% by year two—and the most common reason? Poor cash flow and lack of funding.
This guide isn’t theory. It’s a playbook. Let’s break down how you can get capital approved—fast—and get back to doing what you do best: building your business.
1. Know Your Numbers (Have Them Ready and Right)
Before anyone hands you a dollar, they need to know what they’re dealing with. Be prepared with:
● Monthly Revenue: Most funders want at least $20K/month.
● Time in Business: 6+ months is typical. More = better.
● Bank Statements: Last 3–6 months, clean and organized.
● NSFs, Daily Balance, Deposits: Show you can manage cash.
2. Don’t Get Sloppy on the Application
The fastest way to delay funding is a careless application. Triple-check:
● Legal business name, EIN, address
● Legibility of bank docs
● Honest revenue numbers (inflating = rejection)
Speed follows precision.
3. Go Through a Direct Line — Not a Dead-End Maze
The capital world is crowded with brokers and middlemen. Cut through the noise by working with a vetted ISO like LumenPoint Capital:
● We work directly with underwriters
● We have relationships with top-tier funders (built over years of trust)
● We can often deliver same-day approvals and funding within 24 hours
4. Apply for the Right Amount—At the Right Time
The biggest reason for fast denials? Misalignment.
● $20K–$40K/month: You’re likely in the $30K–$60K approval range.
● $60K–$100K/month: You could land $100K–$300K with solid terms.
● $100K+ and consistent: We’re talking $500K–$1M territory.
💡Already stacked? Ask about reverse consolidation or consolidation plans. A smart move now could cut your daily payments in half.
5. Apply Before You “Need” It
Here’s the ugly truth: the best funding offers come before you’re desperate. That’s when your bank balance is strong, your statements are clean, and your leverage is real.
Waiting until you’re low on cash? You’ll get hit with higher rates and tighter terms—if you get approved at all.
📉 According to Business Insider, businesses that secure capital early have a significantly higher chance of surviving 2+ years in competitive markets.
6. The Five Guys Story — and What It Means for You
Remember Five Guys? Started as a small family burger shop in Virginia.They were doing okay—comfortable but stagnant.
Then they took on outside capital.
They moved fast. Franchised. Scaled.
Today? 1,700+ locations. Over $1.7 billion in revenue.
Same burgers. Same story.
The only difference?
They bet on their momentum—and moved faster than their competition.
7. Get Pre-Qualified in Under 60 Seconds
At LumenPoint Capital, we help businesses doing $20K/month or more access $30K–$1M+ in working capital—without fluff, without pressure, and without the usual paperwork nightmare.
✅ No obligations
✅ No commitments to apply
✅ Just real answers, real approvals, real fast