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BFS Capital

To Apply for a Business Loan with BFS Capital, download and fill out the pdf application and send it to


BFS Capital Product Requirements

Loan Requirements

Time in Business: 2 years

FICO Score: 550+

Minimum Gross Revenue: $10,000

Loan amount: $10k-500k

Term Range: 4-18 months

Minimum monthly deposits: 7

Average bank balance: $1,500

Negative days: up to 3


Cash Advance Requirements


Time in Business: 2 years

FICO Score: 550+

Minimum monthly CC volume: $4,000

Loan amount: $4k-500k

Term Range: 4-18 months

Negative days: up to 10


Competitor Balances


We will payoff up to 2 positions

1 position: 50/50 split (merchant must net 50% of loan)

2 positions: 75/25 (merchant must net 75% of loan)


*PayPal, AMEX, Bluevine not counted as a position but we deduct balance from max amount offered*


*Merchant must wait 60 days since last competitor funding before they can qualify for funding with us*




  • Kabbage

  • On Deck – Line of Credit

  • Loan Me

  • Direct Capital

  • Balboa

  • Ascentium Capital

  • PayPal/ Swift

  • AMEX

  • Fundation

  • Funding Circle

  • BlueVine


** Early Pay off Addendum: sent out with contracts. Merchant will receive 6% discount on remaining balance after 4 months. (Merchant must be in good standing at time of payoff)




Any outstanding tax liabilities discovered must be on a payment plan with the tax authority unless specified below. In instances where there is no tax plan, BFS may apply up to 100% of the funded amount directly towards the liability.


Federal Tax lien: cannot exceed $150,000


State Tax lien: cannot exceed $50,000


Federal or state Tax liens filed against the business, and greater than an aggregated amount of $150,000, must be on a verified payment plan prior to funding.




Completed and Signed Funding Application form must include the following information:

  • Business Info: Time in Business | Time in Control | Annual Sales | Description of What Business Does | Competitor Balance(s)

  • All Officer and Partner Info: SSN | Ownership Percentages | Authorization to Pull Credit | Contact Telephone Number

Bank Statements

  • 3 most recent months for all new loans

  • 3 most recent months for cash advances

  • 2 most recent months for renewal loans or cash advances greater than $100K (1 most recent month below $100K)

  • Seasonal businesses require 4 quarterly bank statements for the previous year

Credit Card Statements for MCAs (in addition to the above)

  • 4 most recent months

  • Seasonal businesses require 12 most recent months of credit card statements


  • Includes Tax Return and year to date P&L and Balance Sheet

    • Required for non-core businesses (i.e. trucking, construction, wholesale) seeking new/renewal loan or cash advance greater than $150K

    • Required for core business (i.e. retail, restaurant, auto repair, salons) seeking new/renewal loan or cash advance greater than $250K







  • Cafeterias, Grill Buffets, and Buffets

  • Drinking Places (Alcoholic Beverages)

  • Food Service Contractors

  • Full-Service Restaurants

  • Limited-Service Restaurants

  • Mobile Food Services

  • Snack and Nonalcoholic Beverage Bars

  • All Other Amusement and Recreation

  • Amusement and Theme Parks

  • Amusement Arcades

  • Bowling Centers

  • Golf Courses and Country Clubs

  • Marinas

  • All Other Outpatient Care Centers

  • Assisted Living Facilities for the Elderly

  • Child Day Care Services

  • Retirement Communities

  • Diagnostic Imaging Centers

  • Family Planning Centers

  • Freestanding Ambulatory Surgical and Emergency Centers

  • HMO Medical Centers

  • Home Health Care Services

  • Kidney Dialysis Centers

  • Medical Laboratories

  • Nursing Care Facilities (Skilled Nursing Facilities)

  • Offices of All Other Miscellaneous Health Practitioners

  • Offices of Chiropractors

  • Offices of Dentists

  • Offices of Mental Health Practitioners (except Physicians)

  • Offices of Optometrists

  • Offices of Physical, Occupational and Speech Therapists,

  • Musical Instrument and Supplies Stores

  • News Dealers and Newsstands

  • Nursery, Garden Center, and Farm Supply Stores

  • Office Supplies and Stationery Stores

  • Optical Goods Stores

  • Other Clothing Stores

  • Other Direct Selling Establishments

  • Outdoor Power Equipment Stores

  • Paint and Wallpaper Stores

  • Pet and Pet Supplies Stores

  • Pharmacies and Drug Stores

  • Sewing, Needlework, and Piece Goods Stores

  • Shoe Stores

  • Sporting Goods Stores

  • Tire Dealers

  • Used Merchandise Stores

  • Warehouse Clubs and Supercenters

  • Window Treatment Stores

  • Women's Clothing Stores

  • Motor Vehicle Towing

  • Medical, Dental, and Hospital Equipment and Supplies Wholesalers

  • Family Clothing Stores

  • Fish and Seafood Markets

  • Florists

  • Food (Health) Supplement Stores

  • Fruit and Vegetable Markets

  • Gift, Novelty, and Souvenir Stores

  • Hardware Stores

  • Hobby, Toy, and Game Stores

  • Home Centers

  • Jewelry Stores

  • Luggage and Leather Goods Stores

  • Mail-Order Houses

  • Meat Markets

  • Men's Clothing Stores


  • Offices of Physicians (except Mental Health Specialists)

  • Offices of Physicians, Mental Health Specialists

  • Offices of Podiatrists

  • Other Residential Care Facilities

  • Outpatient Mental Health and Substance Abuse Centers

  • Residential Intellectual and Developmental Disability Facilities

  • Residential Mental Health and Substance Abuse Facilities

  • Dental Laboratories

  • Retail Bakeries

  • All Other Automotive Repair and Maintenance

  • All Other Personal Services

  • Appliance Repair and Maintenance

  • Automotive Body, Paint, and Interior Repair and Maintenance

  • Automotive Exhaust System Repair

  • Automotive Glass Replacement Shops

  • Automotive Oil Change and Lubrication Shops

  • Automotive Transmission Repair

  • Barber Shops

  • Beauty Salons

  • Car Washes

  • Coin-Operated Laundries and Drycleaners

  • Commercial and Industrial Machinery and Equipment Repair and Maintenance

  • Communication Equipment Repair and Maintenance

  • Consumer Electronics Repair and Maintenance

  • Diet and Weight Reducing Centers

  • Dry-cleaning and Laundry Services (except Coin-Operated)

  • Footwear and Leather Goods Repair

  • Funeral Homes and Funeral Services

  • General Automotive Repair

  • Home and Garden Equipment Repair/ Maintenance

  • Linen Supply

  • Nail Salons

  • Other Automotive Mechanical and Electrical Repair and Maintenance

  • Other Electronic and Precision Equipment Repair and Maintenance

  • Other Personal and Household Goods Repair and Maintenance

  • Other Personal Care Services

  • Parking Lots and Garages

  • Pet Care (except Veterinary) Services

  • Photofinishing Laboratories (except One-Hour)

  • Furniture Repair

  • Veterinary Services

  • All Other General Merchandise Stores

  • All Other Health and Personal Care Stores

  • All Other Miscellaneous Store Retailers (except Tobacco Stores)

  • All Other Specialty Food Stores

  • Automotive Parts and Accessories Stores

  • Baked Goods Stores

  • Beer, Wine, and Liquor Stores

  • Book Stores

  • Children's and Infants' Clothing Stores

  • Clothing Accessories Stores

  • Confectionery and Nut Stores

  • Convenience Stores

  • Cosmetics, Beauty Supplies, and Perfume Stores

  • Department Stores (except Discount Department Stores)

  • Discount Department Stores

  • Electronic Auctions

  • Electronic Shopping




Administrative Management Services

Adult Entertainment

Blood and Organ Banks

Cannabis Growers/Sellers

Class 3 Weapon Dealers

Credit Services

Ticket/ Entertainment Sales

Event Promotors

Financial Services

Geographic: Puerto Rico And Quebec

Government and Non-Profit

HR Consulting

Livestock Merchant Wholesalers

E- Cigs



Precious Metals

Religious and Trade Associations

Residential Remodeling

Solid Waste Landfill

Tax Preparation

Telecommunication Resellers

Telemarketing and Call Centers

Used Car Dealerships

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