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Stated Income Line of Credit

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Lines of credit,
without the hassle.

Will not impact credit score

Business Lines of Credit   >   Stated Income Line of Credit

Stated Income Lines of Credit, designed to fuel growth.

The Stated Income Business Line of Credit is one of the most straightforward and flexible credit line programs available to business owners, startups, and real estate investors. Why? Simply put, there is no income documentation and you will not be required to show any financial statements.

FundingPilot is proud to offer some of the most diverse, competitive, and flexible business lines of credit options. Among these programs, one definitely stands out from the rest; the Stated Income Business Line of Credit. This line of credit is the best option for those who do not want to pledge collateral, furnish company earnings, sensitive financial documentation, and simply want a truly hassle-free experience. To apply complete the Stated Income Line of Credit pre-approval form below, or call us directly at 888-860-2844.

A quick snapshot of the Stated Income Line of Credit

A quick lending snapshot of the Stated Income Line of Credit program.
Only pay for what you use
No minimum time in business
$10,000 - $250,000
Fast funding!
No collateral
No prepayment penalty
No income verification
Most states eligible

Find out if you qualify in under 2 minutes.

Will not impact credit score

What is a Stated Income Line of Credit?

What is a Stated Income Line of Credit?

A stated income line of credit is a creative financing program that streamlines your access to business capital. There is no income verification (no tax returns, for example) since those documents don't always paint a true picture of your financial status. You simply state your income, hence the name "stated income." This credit line program offers significant advantages for both business owners and real estate investors, providing a flexible and accessible financing solution that caters to your unique needs. Overall, a stated income line of credit could serve as a vital tool for driving growth, facilitating investments, and enhancing financial agility whether your a business owner or real estate investors.

For business owners, this type of credit allows for the quick acquisition of funds without the extensive documentation typically required by traditional lenders, enabling you to capitalize on immediate opportunities or address urgent financial needs.

Real estate investors benefit from the ability to leverage these funds for certain aspects of the property purchase, renovations, or real estate expansion, without the need to prove income through traditional means. This flexibility can be particularly advantageous for investors with fluctuating incomes or those looking to streamline the financing process.

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The many benefits of a Stated Income Line of Credit

A stated income line of credit offers several advantages, particularly for business owners, startups, and real estate investors who might not qualify for traditional bank loans due to the stringent documentation requirements. Here are some key benefits:

Benefits of a stated income line of credit

Less Documentation

Unlike traditional lines of credit, which require financial documentation, a stated income line of credit requires minimal paperwork, focusing instead on the stated income of the business.


Unlike a term loan that provides a lump sum upfront, a line of credit allows you to draw funds as needed up to the credit limit, offering a flexible way to manage finances.

Cash Flow Management

You pay interest only on the amount you draw, not the total credit line available. As you repay the drawn-down amounts, the credit becomes available again for use, providing a continuous source of funds

Simplified Eligibility

Aside from no income verification, there are even more perks that simplify eligibility; there is no minimum time in business requirement and all industries are eligible, just to name a few.

Competitive Advantage

Quick access to funds means businesses can act swiftly on opportunities, whether it's purchasing inventory at a discount, capitalizing on an investment opportunity, or expanding operations.

Privacy and Control

Business owners maintain control over how and when to use the funds, allowing for strategic financial management without external interference.

How it works

Apply online

We'll review your business funding scenario and provide an instant decision if you're pre-qualified. There is no credit check, no cost, and no obligation to pre-qualify.

Talk with us

One of our Lending Advisors will review your funding scenario in detail, help weigh out your options, and set expectations to ensure a smooth process from start to finish.

Loan approval

Once you've selected the terms that best align with your business goals, your Lending Advisor will submit your application for funding with lightning fast approvals.

How our funding process works for the stated income line of credit.

Ready to take your business to the next level?

or call us at (888) 860-2844

Will not impact credit score

Program Details and Basic Eligiblity

Program Detail and Eligibility - Stated Income Line of Credit

We pride ourselves on making innovative programs accessible to a wide range of business owners. While we've worked hard to minimize the barriers to entry, ensuring the program remains inclusive and welcoming, it's important to acknowledge that some basic qualifying requirements do exist. These parameters are designed not as hurdles, but as essential steps to ensure that every business owner can fully benefit from what we have to offer, and that our resources are allocated effectively and responsibly.

Program Details

Credit Limits:






Approval Time:

$10,000 - $250,000

0% for first 6-24 mo.

up to 20 years


No penalty

None required

As little as 24 hours

Basic Eligibility


Business Type:

Time in Business:

Monthly Revenue:


Credit Score:


US Citizen


No minimum

No minimum

No restrictions

680 or greater


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Stated Income Line of Credit application

Pre-Approval: Stated Income Line of Credit

Embarking on your financial journey with FundingPilot is a seamless and worry-free experience, especially when you start with our Stated Income Line of Credit Pre-Approval Form. We understand the importance of making informed financial decisions, which is why we offer an instant decision on your pre-approval, ensuring you're not left waiting. Our process is designed with your peace of mind as a priority: there's absolutely no risk, no obligation to proceed, and, most importantly, it will not impact your credit score in any way.


We've tailored our pre-approval form to be as straightforward and user-friendly as possible, allowing you to explore your options without any pressure or commitment. This no-strings-attached approach empowers you to make the best decision for your financial needs and future, on your terms. Whether you're looking to manage cash flow, invest in new opportunities, or simply need a financial safety net, FundingPilot is here to provide the clarity and confidence you need to move forward.

Will not impact credit score

No SSN or DOB needed to prequalify

Instant decision and initial terms.

No upfront fees. No obligation.

Bank-level security

Need support?

Call us toll-free, 888-860-2844

Similar lending programs compared to the Stated Income Line of Credit

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Stated Income Loan

Program Overview

Loan Amounts: $75,000 - $5,000,000

Terms: 30 years

Repayment: Fixed

Collateral requirement: Real Estate

Credit Needed: 600 minimum

Approval Time: 24 hours

Time to Fund: As little as 2 weeks

Why it's great:

  • Larger funding amounts

  • No income verification

  • Simplified eligibility

  • Longer terms, up to 30-years

  • Low rates that are fixed

Startup Business Loan

Startup Business Loans

Program Overview

Loan Amounts: $10,000 - $250,000

Terms: up to 10 years

Repayment: Variable

Collateral requirement: None

Credit Needed: 680 minimum

Approval Time: 24 hours

Time to Fund: As little as 2 weeks

Why it's great:

  • Startup friendly

  • No income verification

  • Simplified eligibility

  • Builds business credit

Business Cash Advance

Business Cash Advance

Program Overview

Loan Amounts: $10,000 - $500,000

Terms: up to 36 months

Repayment: Fixed

Collateral requirement: None

Credit Needed: 500 minimum

Approval Time: 24 hours

Time to Fund: As little as 24 hours

Why it's great:

  • Incredibly fast funding

  • Larger funding amount

  • Low barrier eligibility

  • Perfect for businesses that have been operational for 6+ months and generate $10,000 per month in gross revenue.

We're the best at what we do for a reason...

FLEXIBILITY. No more needing to go from bank to bank trying to find small business loans, we cover it all. Whether your credit is strong or poor we have business lending programs to meet your capital needs.

SPEED. We save you lots of time when looking for a small business loan. You answer a few questions and we show you your options. We make getting a small business loan simple and fast.

FOCUS. We're 100% focused on small business owners like yourself. We deliver results nationwide and have funding specialists available 6 days per week.

TRUST. We take care of you every step of the way. Our business lending advisors believe in your business and care about your success. It’s an experience you’ll tell your friends about, guaranteed! Did we mention our A+ rating with the Better Business Bureau?


$794,000 FUNDED!

When a manufacturing company in Pennsylvania needed to meet a large purchase order request they needed funding quickly to meet their demand. Within a matter of 5 business days they were funded and are continuing to leverage our business lending programs to further grow their successful business.

LOAN TYPE: Asset-Based Loan

$28,600 FUNDED!

When a local bakery / cafe was in need of some working capital FundingPilot was able to step in and get their business $28,600 in under 48 hours!

LOAN TYPE: Merchant Cash Advance

$225,000 FUNDED!

Mark & Samantha needed to renovate their location but couldn't qualify for a commercial renovation loan, nor most business loans due to credit score blemishes. By using an investment property they owned as collateral we were able to fund them $225,000 in 9 days.

LOAN TYPE: Secured Business Loan

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