Reviewed by: Fundo Underwriting Team
Last reviewed: September 2026
Fundo looks at more than one number when it reviews a business. The current starting point is at least $1,500 in average monthly revenue, at least three months in business, and consistent account activity. Fundo also checks deposits, cash flow, bank balances, returned transactions, existing obligations, and the full bank record before it makes a decision.
Fundo Revenue Review at a Glance
| What Fundo Checks | What It Can Show |
|---|---|
| Average monthly revenue | If the business meets the $1,500 starting rule |
| Time in business | Fundo requires at least 3 months |
| Deposits | How cash comes into the account |
| Cash flow | How cash comes in and goes out |
| Bank balances | How much cash is on hand |
| Returned transactions | More detail about the bank record |
| Existing obligations | Bills or costs that may affect cash flow |
| Overall bank activity | How the business runs over time |
This page is based on Fundo’s real review process for small and self-employed businesses.
For the broader eligibility picture, read How Fundo Qualifies Self-Employed Business Owners for Revenue-Based Financing.
Why Does Fundo Look at Average Monthly Revenue?
Monthly revenue helps show that a business is active.
Still, self-employed income can change. A freelancer may have three clients this month and five next month. A driver may get paid by more than one app. A contractor may get one large payment after a job, then smaller payments later.
That can be normal.
So, Fundo looks at average monthly revenue. It does not expect each month to look the same.
The current requirement is at least $1,500 in average monthly revenue.
That number matters. However, it is only the start.
What Does Fundo Look at Beyond Revenue?
Revenue shows how much money comes in.
It does not show what happens next.
That is why the bank record matters too.
Deposits
Deposits show how cash enters the account.
A steady flow from real work or business income can tell Fundo more than one large deposit.
For example, a freelancer may get paid by four different clients during the month. A gig worker may get several platform payouts each week.
The payments may look different. Yet together, they can help show how the business earns money.
Cash Flow
Cash flow shows how money moves through the business.
A business may bring in strong revenue but also have high costs. Fuel, supplies, inventory, software, repairs, and other expenses can all affect the amount of cash left after money comes in.
So, Fundo looks at both sides of the picture.
Revenue matters.
Cash flow adds context.
Bank Balances
Balances show how much cash is in the account as bills get paid.
A small business account does not have to show the same balance each day.
Slow weeks happen.
So do surprise costs.
Instead of judging the business from one point in time, Fundo reviews the wider account activity.
Returned Transactions
Returned transactions are also part of the bank review.
They add more detail to the account history and help Fundo see a fuller picture of how cash moves through the business.
Existing Obligations
A business may already have bills or other payment duties.
Those costs can affect cash flow.
Therefore, Fundo also considers existing financial obligations as part of the wider review.
Does One Strong Month Mean You Will Qualify?
No.
One strong month does not show how a business tends to run.
Also, meeting the $1,500 revenue requirement does not promise approval or a set financing amount.
For example, imagine a home service business with this recent revenue:
| Month | Business Revenue |
|---|---|
| Month 1 | $2,400 |
| Month 2 | $3,100 |
| Month 3 | $2,700 |
The income changes.
Still, the business shows ongoing revenue above Fundo’s current starting point.
Fundo would also check deposits, balances, cash flow, returned transactions, existing obligations, and the rest of the bank record before making a decision.
The simple way to think about it is this:
Revenue starts the review. The bank record helps tell the rest of the story.
How Does Fundo Review Income for People Who Work for Themselves?
Fundo works with many types of small business owners.
That can include sole proprietors, freelancers, 1099 workers, independent contractors, gig workers, and other eligible self-employed applicants.
Their income may not look like a normal paycheck.
A freelancer may get paid by several clients.
A driver may receive platform payouts.
A contractor may get paid when each job is done.
An online seller may receive many smaller deposits.
Fundo can review this type of business activity.
The focus is on real revenue and the bank data that helps explain it.
How Does Fundo Check Bank Activity?
Fundo uses secure bank verification when you apply.
An approved service such as Plaid may be used to connect the account and provide authorized bank data.
That information can help Fundo view revenue, deposits, balances, transactions, and cash flow.
It also gives Fundo a more current view of how the business is running.
What Does “Consistent Account Activity” Mean?
It does not mean each day must look the same.
Small businesses have busy days and slow days.
Clients pay at different times.
Costs can change too.
Fundo needs enough real account activity to review the business over time. The current requirement is at least three months in business with consistent account activity.
That history gives Fundo more to review than one good week or one large deposit.
Who Can Apply With Fundo?
Eligible sole proprietors, freelancers, 1099 workers, independent contractors, gig workers, and other small business owners may apply.
Fundo provides Revenue-Based Financing for business use.
Its review looks at the real activity of the business. It does not expect every business owner to have the same type of income pattern.
That difference is especially important for people who work for themselves.
Monthly Revenue Is the Starting Point, Not the Whole Decision
Fundo starts with a few clear facts:
At least $1,500 in average monthly revenue.
At least three months in business.
Consistent account activity.
Then Fundo looks at the wider bank record.
That can include deposits, cash flow, balances, returned transactions, existing obligations, and other bank activity.
In short, one number does not tell the whole story.
Fundo looks at how money moves through the business over time.
Frequently Asked Questions
What is Fundo’s minimum monthly revenue?
Fundo currently requires at least $1,500 in average monthly revenue.
Does each month need to show the same revenue?
No. Revenue can change from month to month. Fundo looks at the average and the wider bank record.
Does $1,500 in monthly revenue guarantee approval?
No. It is one starting requirement. Final approval is still based on Fundo’s full underwriting review.
Does Fundo look at more than deposits?
Yes. Fundo also looks at cash flow, balances, returned transactions, existing obligations, and other bank activity.
Does Fundo work with 1099 workers and sole proprietors?
Yes. Eligible 1099 workers, sole proprietors, freelancers, independent contractors, gig workers, and other small business owners may apply.
Ready to see if your business may qualify for Fundo’s Revenue-Based Financing?
Apply with Fundo today!
Disclaimer:
Fundo offers Revenue Based Financing programs exclusively for business use. Any references to loan products, consumer products, or other financing forms are solely for marketing and educational purposes, aiming to differentiate Fundo's product from other similar financing options in the market.
