Time in business
How long a merchant’s entity has been trading, measured from formation or from first revenue depending on the funder.
A hard floor rather than a scoring input — commonly six months, sometimes twelve. Filters out startups and the recently self-employed, who convert well and fund poorly.
Why it matters to a broker
A merchant three months short is not a decline, it is a diarised follow-up. Almost nobody books those and they become fundable on a known date.
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