Your business may have outgrown your credit report. FICO 500+ considered, about three months of statements, and a soft pull to start.
Check My OfferBad Credit Funding: $500,000
We weigh deposit volume, consistency, and current obligations alongside credit. If $500,000 fits, your offer shows it clearly before you sign.
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 minutes to apply, about three months of statements, and funding in as little as 24 hours for qualified businesses.
Past credit trouble is weighed alongside the current health of your business, not instead of it.
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.
It is common for a business to outgrow its owner's credit report. Revenue climbs, the team grows, contracts get bigger, while the score still carries the weight of a tax lien that was settled or a few late payments from a lean year. When the business needs $500,000, that mismatch can shut the door at a bank. We review FICO scores from 500 and up, and we look hard at what the business itself is doing.
Credit is one input, not a verdict. On a $500,000 request, funders typically look at several things together:
A lower score combined with strong, steady deposits can still lead to a meaningful offer. A lower score combined with thin or irregular deposits usually means a smaller one. The amount depends mainly on deposits and existing obligations.
For illustration: a contractor with a 560 score, years of steady deposits, and no current advances may be in position to request a large amount. Another business with the same score but three active advances has less room, because a share of its cash flow is already committed. Neither outcome is automatic; it depends on the full file.
A request of this size can be structured as a merchant cash advance, working capital, a line of credit, equipment financing, or revenue-based financing. If your needs are smaller, the $250,000 bad credit page may fit better. Larger? See $1,000,000.
Apply in about 5 minutes with a soft credit pull. Share around three months of business bank statements; no tax returns required. Sole proprietors can apply. Your offer shows the full repayment amount and schedule before you accept, and funds can arrive in as little as 24 hours for qualified businesses. Start here.
We consider FICO 500+. Whether $500,000 fits depends mainly on your deposits and existing obligations, reviewed together with your credit history.
Generally, recent issues carry more weight than older ones. Funders look at the overall pattern, not a single event.
We start with a soft credit pull, which does not affect your score like a hard inquiry can.
Your offer reflects what your file supports. You can accept it, decline it, or apply again once your numbers change.
Example uses for illustration only.
These steps can improve how a $500,000 request is viewed.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding