Credit dinged? We consider FICO 500+ and look closely at your deposits. Soft pull to start, bank statements instead of tax returns.
See My OptionsBad Credit Business Funding
For a $200,000 request, cash flow carries real weight. We review your bank statements and existing obligations alongside your credit history.
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 three months of statements. Funding in as little as 24 hours for qualified businesses.
A lower score is weighed with your deposits, not used as a stop sign.
The full repayment amount is in your offer before you accept. No surprise costs after signing.
Your repayment schedule is laid out in the offer up front.
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.
It can be possible, but credit is not what usually sets the ceiling. For a request this size, the bigger question is whether your business deposits can support it. A bank tends to stop at the credit score. We consider FICO scores from 500 and then look hard at how money actually moves through your account.
That said, a lower score is a real factor in how an offer is shaped. It is weighed alongside everything else, not ignored.
If those point to less than $200,000, the offer will say so, and you can decide whether a smaller figure works.
Owners with lower credit often look at products tied to revenue rather than credit score, such as a merchant cash advance or revenue-based financing. Working capital and a business line of credit are also available depending on your file. Many bad-credit borrowers also compare against $150,000 bad credit options if deposits are on the lighter side.
Many owners we hear from had a rough stretch: a slow year, a medical bill, a partner who left, a customer who never paid. Credit took the hit even though the business recovered. When deposits show the business is healthy now, that recovery carries real weight in the review.
What helps is showing stability in the recent months. A business account with steady deposits, few overdrafts, and no fresh stack of obligations tells a clear story. What hurts is a pattern of negative balances or several new payments added recently. Neither is an automatic outcome; they are part of how a funder weighs the whole file. If you are working to rebuild, keeping your business account clean for a few months before applying can make a meaningful difference in the offer you receive.
Our application takes about five minutes and starts with a soft credit pull, so you can see where you stand before anything heavier. Send about three months of business bank statements; no tax returns required. Your offer shows the full repayment amount and schedule before you accept. Apply here.
FICO 500+ is considered. The score is one factor alongside deposits, obligations, and time in business.
We start with a soft credit pull.
It depends mainly on your deposits and existing obligations. Some files support that amount and some support less.
Your offer spells out its requirements. Review it fully before accepting.
Qualified businesses can be funded in as little as 24 hours, regardless of which product fits.
Example uses for illustration only.
Even with weaker credit, these steps can improve your offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding