Frequently asked questions.

4 months of business bank statements and $10,000 per month in revenue.

While credit requirements are highly dependent on the program you are looking for, our bare minimum for credit is 475.

Select programs are available for borrowers with excellent credit.

Once your application is submitted, you will hear back from us within 3 business hours at the latest.

Depending on the type of financing you are closing on, funds will hit your account within 2–48 hours of closing.

Unfortunately we cannot provide any funding with personal bank statements or personal tax documents.

No. Applying with Kosmos will not result in a hard inquiry on your credit profile. All of our applicants will have a soft inquiry, which does not affect the score in any way.

Yes — visit our Loans page to see all the types of financing we offer, along with the associated rates, term lengths and dollar amounts.