FICO 500+ considered. We look at your business deposits, not just your score. Soft pull to start, no tax returns, 5-minute application.
Check My OptionsCalifornia Bad Credit Funding
California owners often have scores that lag behind their business. We review your bank activity and existing obligations to see what fits.
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.
5-minute application and about three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We start with a soft pull, so checking options does not hurt your score.
Your offer shows the full repayment amount before you accept, and no surprise costs come up after you sign.
The repayment schedule is laid out in your offer up front, before you commit.
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 lot of California owners carry a credit score that does not match how their business is doing. Medical bills, a divorce, a rough patch during a slow year or a personal card maxed out to keep the doors open can drag a score down while the business keeps bringing in steady deposits.
Banks tend to stop at the score. We look further. FICO 500+ is considered, and your bank statements carry a lot of weight in how we review the file.
Credit is one input. Alongside it, funders like us look at:
A stronger showing in these areas can carry a file with a weaker score, but nothing here works as an automatic yes or no. Our credit score requirements page explains more.
For illustration: a Sacramento cleaning company owner has a score in the low 500s after medical debt from a family emergency. The business, though, has deposits from commercial contracts landing every week, the account rarely goes negative, and there is no other advance pulling from it. In a file like that, the deposits do much of the talking.
Compare that with a business whose score is higher but whose account swings below zero several times a month and already carries two daily payments. Funders weigh the whole picture, so a stronger score does not automatically mean a stronger file. Our page on negative days and NSFs explains why balances matter.
Depending on your deposits, you may be a fit for a merchant cash advance, working capital, a business line of credit, equipment financing or revenue-based financing. Amounts run from $25,000 to $5,000,000. No tax returns are required, we start with a soft credit pull, and sole proprietors can apply.
If your score sits near the floor, see funding with a 500 credit score or high revenue, low credit.
Lower credit should not mean less transparency. Your offer shows the full repayment amount and repayment schedule before you accept, and no surprise costs appear after you sign. If it does not fit your cash flow, do not take it.
When you are ready, apply in about 5 minutes.
FICO 500+ is considered. How your business deposits look matters just as much.
We start with a soft credit pull, which does not affect your score.
We do not require tax returns. We review about three months of business bank statements.
Not on its own. It is one factor among several. See our page on funding after a recent bankruptcy discharge for how it is weighed.
Funding can arrive in as little as 24 hours for qualified businesses, regardless of where your score sits within what we consider.
Example uses for illustration only.
These steps can strengthen a file when credit is weak.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding