Credit took a hit, but the business keeps earning. FICO 500+ considered. Apply in 5 minutes with about three months of statements.
See What I Qualify ForBad Credit Business Funding
A $150,000 decision built around steady deposits and manageable obligations, with your credit score as one factor among several.
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-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
We start with a soft pull and look closely at deposits, balances, and existing obligations.
Your offer shows the total you will repay before you accept. No surprise costs after you sign.
The repayment schedule is in the offer, so you can plan every month ahead.
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.
When credit is bruised and the request is $150,000, the deciding factor usually shifts toward cash flow. A low score raises questions; strong, steady deposits help answer them. We consider FICO scores from 500 and up, and then spend most of the review on what your business bank account shows.
This page is for established businesses with real, ongoing revenue that has outgrown the score attached to the owner.
Regular deposits month to month tell a clearer story than one huge month followed by two quiet ones.
A balance that rarely dips toward zero suggests room to handle a payment. Our page on average daily balance explains why it matters.
Other loans, advances, or leases already drawing from the account reduce capacity for a new $150,000 offer.
A recent default or tax lien is weighed differently from an issue several years old. Context helps.
A landscaping company with a 540 score shows steady deposits through the season and carries no other financing. It might be offered an amount close to $150,000. A competitor with a higher score but frequent overdrafts and two open advances may see a much smaller offer. Credit alone does not set the number.
No tax returns required. Sole proprietors can apply. If you are not sure $150,000 is realistic, $100,000 bad credit funding may be a better first step. When ready, apply here.
FICO scores from 500 and up are considered. Whether the offer reaches $150,000 depends mainly on your deposits and existing obligations.
It depends on the product. Options reviewed on cash flow, such as a merchant cash advance or revenue-based financing, focus on bank deposits.
It is weighed as part of the full picture alongside how the business has performed since. See our page on funding after a bankruptcy discharge for more detail.
We start with a soft credit pull, which does not affect your score.
You can accept the smaller amount, decline it, or come back later once your account history is stronger. There is no obligation to accept any offer.
Funding can arrive in as little as 24 hours for qualified businesses after you accept the offer.
Example uses for illustration only.
Owners rebuilding credit can still put together a strong $150,000 request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding