FICO 500+ considered for large requests. We read your bank statements closely and size the offer to deposits and current obligations.
Review My FileBad Credit Business Funding
Your business account shows how the company really runs. We give that history most of the weight on a big request.
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.
Apply in 5 minutes with about three months of statements. Qualified businesses funded in as little as 24 hours.
Credit is reviewed alongside deposits and obligations, not on its own.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is in the offer before you sign, so you can plan from the first payment.
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.
Some owners build a company doing millions a year while their personal credit lags years behind. Maybe it took a hit when an early venture failed. Maybe a few tough months during an expansion left late marks. At a bank, a large request with a low score rarely gets past the first review.
We consider FICO 500+ and read the business bank statements closely. For a $2,000,000 request, the account history matters far more than one number.
| What we review | How it is weighed |
|---|---|
| Monthly deposits | The main driver of how much fits |
| Existing obligations | Reduce the room for new funding |
| Negative days and returned items | Signal strain on the account |
| Credit history | Considered from FICO 500, alongside everything else |
For illustration: a commercial cleaning company with large contracts and steady deposits, but a score in the low 500s from a past personal setback, might still be reviewed for a substantial offer if the account is clean and current obligations are light. If the same company carried several daily payments, the number would come down. We will show you exactly where you land.
If $2,000,000 is a stretch, a $1,000,000 bad credit request may be a better starting point.
Funding can help a business grow while the owner works on their credit at the same time. The habits that strengthen a credit file overlap with the ones that strengthen a funding file: paying on time, keeping balances under control and avoiding new obligations you do not need.
On the business side, keep the account clean. Fewer negative days, steady deposits and on-time payments on any existing financing all show up in the statements we review. Over time, those patterns make each future request easier to evaluate. If a large request is not a fit today, a smaller one that you handle well can build the track record for the next conversation. We would rather start with an amount your deposits comfortably support than stretch a file and put the business under pressure it does not need.
That approach tends to serve owners well over the long run.
The application takes about 5 minutes and begins with a soft credit pull. Send about three months of business bank statements. No tax returns are required, and sole proprietors can apply. Start here.
We consider FICO 500+. The amount depends mainly on deposits and existing obligations, so strong deposits matter a lot.
Merchant cash advance and revenue-based financing lean on deposits, which makes them common choices.
We start with a soft credit pull, so you can see where you stand first.
Yes. A short, honest note helps us understand the history and focus on how the business performs now.
Qualified businesses can be funded in as little as 24 hours after accepting an offer.
No single factor decides a file. We consider FICO 500+ and weigh it alongside deposits and existing obligations.
Example uses for illustration only.
These steps can strengthen a large request when credit is weaker.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding