FICO 500+ considered. We focus on how your business is doing now, using about three months of bank statements. Soft credit pull to start.
See If I QualifyBad Credit Business Funding
Past credit trouble is part of the picture, not the whole picture. For $25,000, steady business deposits carry real weight in how we review your file.
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.
5-minute application, about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We start with a soft pull and look closely at your deposits.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your repayment schedule is spelled 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.
A rough patch on your personal credit, a late payment from a hard year, a high card balance: none of these automatically disqualify a $25,000 request with us. We consider FICO scores of 500 and up, and we start with a soft credit pull so applying does not add a hard inquiry at the outset.
Credit tells a funder how past obligations were handled. Bank deposits tell them how the business is performing now. For a $25,000 request, we lean heavily on about three months of business bank statements: how consistently money comes in, how the balance holds, and what obligations are already being paid.
Lower credit can affect the offer, but a steady deposit history carries real weight.
None of these is an automatic decline, but each one matters. Knowing them helps you prepare.
Picture a barbershop owner with a FICO in the low 500s after a medical bill went to collections. The shop deposits card sales daily and has no other financing. That kind of file gets a real look, because the business itself shows steady activity. This example is for illustration only.
The application takes about 5 minutes, and no tax returns are required. Sole proprietors can apply. Your offer will show the full repayment amount and schedule before you accept. Apply here, or see $50,000 bad credit business funding if your deposits support more.
Funding can be a way to stabilize the business while personal credit recovers. Making scheduled payments on time, keeping the account out of overdraft and avoiding stacking new obligations on top all show consistency. Use the $25,000 for something that protects or grows revenue, such as inventory that sells or repairs that keep you open, rather than covering losses with no plan behind them. If your deposits are uneven right now, waiting a month or two to build a cleaner statement history can sometimes produce a better offer. That is your call, and we are happy to review your file either way.
We consider FICO scores of 500 and up. Your deposit history is weighed alongside your score.
We start with a soft credit pull, which does not affect your score the way a hard inquiry can.
It can. Credit is one factor in the offer. Your deposits and existing obligations are major factors too.
No tax returns required. The core of the review is about three months of business bank statements.
Funding can arrive in as little as 24 hours for qualified businesses once an offer is accepted.
Example uses for illustration only.
Small changes in the months before applying can strengthen a bad credit file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding