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what does it take to qualify for accounts receivable financing before you start applying for business financing its important to understand what it takes to qualify many businesses seek loans through banks and other lending institutions if youre willing to pay the interest and wait for the approval this is an acceptable option but what about accounts receivable financing there are fewer requirements rates are usually lower and applications can often be approved in a matter of days here are some of the few requirements for accounts receivable financing through universal funding first small solopreneurs running a one-man business with no employees and a few small outstanding accounts receivables would not be big enough your business must be large enough to have accounts receivables and enough of them to cover the amount of money that you want universal funding works with small to mid-sized businesses that generate more than 1 million dollars in annual revenue all you need to do is make