FICO 500+ considered. We put weight on your business deposits, start with a soft credit pull, and ask for about three months of statements. No tax returns.
See My OptionsBad Credit Funding ยท Arkansas
Old credit problems should not hide a business with steady revenue. We review Arkansas business deposits and obligations alongside your score, 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 roughly three months of statements. Qualified businesses can be funded in as little as 24 hours.
Your deposits and current obligations carry real weight next to your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is spelled out in your offer from the start.
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 Arkansas owners have a credit report that lags behind how their business actually performs. A drought year for a farm-supply customer base, a long hospital stay, a partner who left with debts in the company name. These things happen, and they can follow you for years. When we review an application, FICO scores from 500 are considered, and your business bank deposits get real attention.
You can start in about 5 minutes. We begin with a soft credit pull, so looking at your options will not affect your score.
Credit is one piece of a larger picture. In a typical review, funders consider:
None of these factors decides the outcome alone. They are weighed together.
Owners with lower scores often look at a merchant cash advance, which is sized around sales and deposits, or working capital for a specific gap. Revenue-based financing ties repayment to the revenue moving through your account. For machinery or vehicles, see equipment financing in Arkansas. Funding ranges from $25,000 to $5,000,000.
For illustration: a Pine Bluff HVAC company has a score in the mid 500s from a few late payments two years ago. Its business account shows steady deposits from service calls and maintenance contracts, and it has one small existing equipment payment. That company could apply with three months of statements and receive an offer sized to its deposits after accounting for the existing payment. A company with the same score but erratic deposits would likely see a different result.
Your offer shows the full repayment amount and the repayment schedule before you accept, with no surprise costs after you sign. When credit is tight, it is especially important not to take more than you need. Check the schedule against your slowest month and borrow for a clear purpose.
We consider FICO scores of 500 and up, together with deposits and existing obligations.
We start with a soft credit pull, which does not affect your score.
No tax returns are required. We review about three months of business bank statements.
Yes, you can apply. The outcome depends on your full file, including how your business is performing now.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Yes. Sole proprietors can apply if the business has steady deposits.
Example uses for illustration only.
These realistic steps can help when your 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