FICO 500+ considered. We look at the business your deposits show, not just your score. Soft pull to start, no tax returns, three months of statements.
See If I QualifyBad Credit Business Funding
For a $75,000 request with lower credit, steady deposits, a clean account and a clear purpose do most of the heavy lifting.
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 three months of statements. Funding in as little as 24 hours for qualified businesses.
Your score is weighed alongside deposits, obligations and account history, not used as a gate.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is spelled out up front so you can plan around it.
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 $75,000 request is a real commitment, and funders look at it seriously. With a lower credit score, the review leans harder on the business itself. We consider FICO scores from 500 up, but the score is only the starting point. The real weight sits on how your business account performs.
If your credit dipped because of a past downturn, a divorce, medical debt or a business that did not make it, that history does not have to define what your current business can do.
| Factor | Why it matters |
|---|---|
| Deposit volume | Shows how much revenue can support repayment |
| Deposit consistency | Steady months suggest steady capacity |
| Existing obligations | Other payments reduce available room |
| Negative days | Frequent overdrafts make funders cautious |
| Use of funds | A clear purpose makes the request easier to follow |
We review about three months of business bank statements, start with a soft credit pull and do not ask for tax returns.
For illustration: an auto repair shop owner with a 560 score is running steady deposits from repair work and has no other financing. They want $75,000 for a second lift, a diagnostic scanner and two months of payroll for a new tech. The deposits and clean account history do most of the work in that file. A shop with the same score but two existing advances and regular negative balances would likely be looked at differently, and might be offered a smaller amount.
If you are not in a rush, a few weeks of cleanup can change how a $75,000 request reads. Keep the business account positive every day, even if that means moving a bill by a few days. Deposit all revenue into the business account instead of splitting it across personal accounts or apps. Avoid picking up new financing right before you apply, because each new payment shrinks the room left for this one.
None of that requires a better credit score. It simply gives the statements a cleaner story, and statements are where most of the weight sits for a lower-credit request.
Depending on the file, a lower-credit $75,000 request might be structured as a merchant cash advance, revenue-based financing, working capital or equipment financing. Each offer shows the total repayment amount and schedule before you accept. If $75,000 is more than the account supports today, the $50,000 bad credit page covers a smaller step.
Apply in about five minutes to see where you stand.
It can be, depending on your deposits and existing obligations. We consider FICO 500+.
No. We start with a soft credit pull.
Frequent negative balances, stacked obligations and inconsistent deposits tend to weigh more than the score itself.
No tax returns are required. We mainly review about three months of business bank statements.
Yes. Sole proprietors can apply.
Example uses for illustration only.
A few changes can make a lower-credit $75,000 request stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding