FICO 500+ considered. We read your deposits first, ask for about three months of bank statements, and start with a soft pull.
See My OfferBad Credit Funding: $250,000
For a $250,000 request we focus on steady deposits and current obligations. Credit history counts, but it does not end the conversation.
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.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
We weigh deposits and obligations alongside credit, so a past rough patch is not the only thing we see.
Your offer lays out the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is spelled out in your offer up front, so you know what leaves the account and when.
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 owners run solid businesses and still carry a score that reflects a rough stretch: a medical bill, a divorce, a slow year that turned into late payments. When you need around $250,000, a bank will usually stop reading at the score. We start somewhere else.
We consider FICO scores from 500 and up. The bigger question for a request this size is what your business bank account shows month after month. Steady deposits tell us more about your ability to handle a funding repayment than a number shaped by something that happened years ago.
The amount you can be offered depends mainly on two things: your deposits and the obligations you already carry. A business with strong, consistent monthly revenue and little existing debt has more room than one that is already making several daily or weekly payments.
If $250,000 is more than your numbers support today, the offer may come in lower. You can see that before you commit to anything.
Depending on your file, a $250,000 request might be structured as a merchant cash advance, working capital, a business line of credit, equipment financing, or revenue-based financing. Each repays differently, so we explain the structure in plain terms before you sign.
Sole proprietors can apply too. When you are ready, start your application.
A lower score can still affect what an offer looks like. Funders weigh credit as one signal among several, so a recent pattern of missed payments may lead to a smaller amount than the deposits alone would suggest. The best thing you can do is show stable, recent bank activity and be upfront about any existing obligations.
We consider FICO 500+, so a 520 score can be reviewed. Whether $250,000 fits depends mainly on your deposits and existing obligations, not the score alone.
We start with a soft credit pull, which does not affect your score the way a hard inquiry can.
No. We look at about three months of business bank statements instead.
Your offer will show the amount your file supports. You decide whether it works for you before signing.
Funding can happen in as little as 24 hours for qualified businesses once you accept an offer.
Example uses for illustration only.
A few steps can strengthen a $250,000 request before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding