What Is TIB (Time in Business)?

TIB gets checked early because it directly affects what evidence is even available to underwrite against. A business with years of bank statements and consistent deposits gives underwriting a real pattern to evaluate. A business six months old has, at most, six months of statements, and far less room to show it can absorb an advance payment through a slow month.

Minimum TIB thresholds vary by funder and by deal type, and most published thresholds sit somewhere between six months and two years, with newer businesses generally facing smaller advance amounts or a harder path to approval, all else being equal.

VA Horizon's own published qualification bar for business funding meetings requires at least 6 months in business, alongside a $15,000-plus monthly deposit floor and a 500-plus FICO score, the same kind of firmographic-and-revenue screen underwriting itself relies on, just applied before a meeting gets booked instead of after a full application comes in.