FICO 500+ considered. We focus on your business deposits, start with a soft credit pull, and ask for about three months of bank statements. No tax returns required.
Check My OptionsBad Credit Funding ยท Arizona
A tough year can drag down a score while the business keeps earning. We review deposits, obligations and account health alongside credit, with funding from $25,000.
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 bank statements. Qualified businesses can be funded in as little as 24 hours.
We weigh your credit together with your deposits and current obligations, not in isolation.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your schedule is laid out in the offer up front, so you know what to expect each period.
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.
Credit scores drop for reasons that have little to do with how well a business runs. A slow summer in a tourism market, a medical bill, a customer who paid six figures late. Arizona owners in hospitality, construction and retail know how uneven a year can be. When we review an application, we look at FICO scores starting from 500 and give real weight to your business bank deposits.
If your business has steady deposits and you can show about three months of statements, you can apply in about 5 minutes. We start with a soft credit pull, so checking your options does not affect your score.
Credit is one input. Funders also look at:
None of these is pass or fail on its own. Together they shape the amount and structure of your offer.
Depending on your situation, the right fit could be a merchant cash advance, working capital, or equipment financing. Revenue-based financing is another route that ties repayment to the revenue moving through your account. Funding ranges from $25,000 to $5,000,000.
Every offer shows the full repayment amount and the repayment schedule before you accept. There are no surprise costs after you sign. Take the time to compare it against your slowest months, not just your best ones, so repayment stays comfortable through the Arizona summer.
For illustration: a Mesa auto repair shop has a credit score in the low 500s after a slow year, but its business account has shown steady card and cash deposits for the last several months and it carries no other financing. That shop could apply, share three months of statements, and receive an offer sized to those deposits. A similar shop with heavy existing obligations would likely see a smaller amount. The point is that deposits and current obligations shape the offer as much as the score does, which is why we ask for statements rather than relying on credit alone.
We consider FICO scores of 500 and up. Your score is weighed alongside deposits, existing obligations and overall account health.
No. We start with a soft credit pull, which does not affect your credit score.
No tax returns are required. We ask for about three months of business bank statements.
You can still apply. Funders look at the full picture, including how the business is performing today, so the outcome depends on your overall file.
Yes. Sole proprietors can apply, as long as the business has steady deposits.
Example uses for illustration only.
These honest steps can strengthen an application when credit is not where you want it.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding