FICO 500+ considered. We look at your business deposits, start with a soft pull, and need about three months of bank statements and no tax returns.
Check My OptionsBad Credit Business Funding
Established businesses with steady revenue often get passed over because of an old credit hit. We review the whole account before deciding what a $100,000 request can support.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Five minutes online plus about three months of statements. Funding in as little as 24 hours for qualified businesses.
A soft pull starts the process. We weigh deposits and existing obligations alongside your score.
Your offer shows the full repayment amount up front. No surprise costs appear after you sign.
The repayment schedule is spelled out in your offer before you accept.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Credit scores get hit for reasons that have little to do with how a business runs today: a medical bill from years back, a maxed card during a slow season, a personal divorce. When you ask for $100,000, we look at the score, but we also look hard at what your business bank account shows month after month.
FICO scores from 500 and up are considered. That does not mean every file gets the full amount. It means a low score alone is not where the conversation ends.
Think of it as a balance. Steady, consistent deposits and a manageable list of existing obligations can carry a file with weaker credit. Thin deposits, frequent overdrafts, or several open payments make a $100,000 offer harder to support, even with a decent score.
Two auto shops each ask for $100,000 with scores in the mid-500s. One has steady deposits and no other financing. The other makes daily payments to two existing funders. The first may see an offer near the request. The second will likely see a smaller number, or a recommendation to wait.
No tax returns required, and we begin with a soft credit pull. Sole proprietors can apply.
With credit challenges, products reviewed mainly on cash flow tend to fit best. A merchant cash advance and revenue-based financing both lean on deposits. If you want to explore score-specific guidance, read our page on funding with a 550 credit score.
The only way to know your real number is to apply. Start here. Every offer shows the full repayment amount and schedule before you accept.
FICO scores from 500 and up are considered. The amount offered depends heavily on deposits and existing obligations, not the score alone.
No. We start with a soft credit pull, which does not affect your credit score.
They are part of the picture and funders weigh them, but recent business performance carries significant weight too. Context helps, so feel free to explain.
Yes. If your deposits support a lower figure, the offer may come in below your request. You can accept it, decline it, or reapply later as your account strengthens.
Requirements depend on the product. Cash-flow-based products like a merchant cash advance are reviewed mainly on bank deposits.
Example uses for illustration only.
Owners with credit challenges can strengthen a $100,000 request with a few practical moves.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding