The 4 Criteria Private Investors Look at in Your Financing File

After submitting over 900 files to our 15 investor partners, we have learned to distinguish the files that get an offer from those that go unanswered. The difference often comes down to 4 fundamental elements.

1. Deposit Regularity

This is the number one criterion. Private investors aren't necessarily looking for high revenues — they're looking for predictable revenues. A bank account that receives deposits 3 to 4 times a week for the past 6 months is worth more, in an investor's eyes, than an account with irregular but sometimes very large deposits.

Why? Because advance repayments are debited daily or weekly. An irregular flow increases the risk of missed payments.

2. NSF Ratio vs Total Transactions

NSFs (Non-Sufficient Funds) are the first thing our analysts look at when opening a bank statement. One or two NSFs per month are generally acceptable — they happen to everyone. Beyond 5 to 8 NSFs per month over a 3-month period, the majority of investors will decline.

If you had a difficult period with frequent NSFs but the situation has improved, make sure to submit the last 3 months that reflect the current state — not the last 6.

3. Length of Activity

The minimum across our network is generally 6 months of active operation. Some partners accept 3 months for particularly strong files; others require 12 months for amounts above $100,000.

Length of activity is a proxy for resilience. A business that has survived its first 12 months has statistically much better chances of continuing to operate through the repayment period.

4. Absence of Excessive Existing Alternative Financing

If you already have one or two cash advances in progress, that's often acceptable — it's what we call a second or third position. Our partners regularly work with multiple positions.

However, if you have 4 or 5 simultaneous advances with daily deductions consuming 70% of your daily deposits, the vast majority of investors will decline — not because your business is bad, but because repayment capacity is structurally maxed out.

What We Don't Look At (or Rarely)

• Your personal credit score — it can influence some partners but isn't decisive
• Your assets — alternative financing is not secured by collateral assets
• Your financial statements — bank statements are sufficient in most cases
• Your industry — most of our partners finance all sectors (with a few exceptions)

Preparing Your File Properly

The basic file for a Premion Capital submission:

1. Last 3 months of bank statements (all business accounts)
2. Owner's ID document
3. Signed authorization form

That's it. No audited financial statements, no business plan, no forecasts. The decision is made on the reality of your cash flow over the last 90 days.