FICO 500+ considered. We size large offers around your deposits and existing obligations, not just a credit score. 5-minute application.
See My OfferBad Credit Business Funding
A rough credit year should not erase years of steady revenue. Send three months of bank statements and let the account speak.
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.
About 5 minutes to apply and three months of statements. Qualified businesses funded in as little as 24 hours.
Credit is one factor. Deposit strength and existing obligations carry heavy weight in sizing your offer.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is set out in your offer up front, so you can plan cash flow from day one.
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.
Plenty of businesses that move serious money have a credit report that does not match. A medical bill sent to collections, a personal card that ran high during a slow year, a late payment from a divorce or a partner split. Banks tend to stop reading there. We keep going.
We consider FICO scores from 500, and for a request near $1,000,000 we put most of the weight on what your business bank account shows.
Lower credit does not automatically cap the offer, but the amount still has to fit your deposits. For illustration: a trucking company running regional routes with steady, high deposits and no other financing could be in range for a large offer even with a score in the 500s. A business with the same score and thinner deposits would see a smaller number.
If $1,000,000 does not fit, you might look at $500,000 bad credit options first, or step up to $2,000,000 if your deposits support it.
Owners often ask what a lower score actually changes in a large request. In most files, the honest answer is that credit shapes how cautious the review is, while deposits shape the size. A business with a 520 score and a clean, busy account can look stronger to us than one with a higher score and an account that dips negative every few weeks.
That is why the account history matters so much. Months with steady deposits, few returned items and payments made on time all help. If there are rough spots, explain them. A one-time event, like a lost client or a supplier problem, reads very differently from a pattern, and a short note helps us see which one we are looking at before we put an offer together.
The application takes about 5 minutes and starts with a soft credit pull. Send about three months of business bank statements. No tax returns are required, and sole proprietors can apply. Start your application and we will review the full picture, not just the score.
We consider FICO scores from 500. The final amount depends mainly on deposits and existing obligations.
We review each file on its full history. Tell us about it up front and we will look at how the business has performed since.
The application starts with a soft credit pull, so you can see where you stand first.
Merchant cash advance and revenue-based financing lean heavily on deposits, which helps when credit is weaker.
Qualified businesses can be funded in as little as 24 hours after accepting an offer.
Yes. Sole proprietors can apply, and FICO scores from 500 are considered alongside the deposits in the business account.
Example uses for illustration only.
Owners with lower credit can strengthen a large request with a few honest steps.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding