A rough credit history does not erase a working business. FICO 500+ considered, soft pull to start, no tax returns required.
See My OptionsBad Credit Funding, Connecticut
Connecticut owners with credit setbacks can still show strong business performance. That is what we look at most closely.
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-minute application with about three months of statements. Qualified businesses funded in as little as 24 hours.
Credit is one input. Deposits, balances, and obligations carry real weight.
Your offer shows the full repayment amount before you accept. No surprise costs after signing.
Repayment is laid out in your offer, so there are no surprises later.
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 Connecticut business can be busy, profitable, and still get turned down because the owner's credit took a hit. Maybe it was a divorce, a slow year during a big client's restructuring, or old personal debt. A bank often stops there. We do not, because we review how the business is actually performing.
FICO scores of 500 and up are considered for our bad credit business loans in Connecticut.
Credit tells a funder how past obligations were handled. It does not show what your business deposited last month. That is why we pair the score with about three months of business bank statements and look at:
A lower score can be offset by strong, steady deposits. It can also mean a smaller amount or a different product. Each file is reviewed on its own facts.
We hear from owners across the state: trades and contractors who run on project cycles, shoreline hospitality businesses with a strong summer and a quiet winter, and suppliers that serve larger manufacturers. Steady deposits through those cycles matter more to us than a perfect report.
A merchant cash advance in Connecticut ties repayment to sales. Working capital is a simple lump sum for payroll or inventory. If you need machinery, look at equipment financing in Connecticut. Funding ranges from $25,000 to $5,000,000.
For illustration: a Norwalk landscaping company owner carries a score in the low 500s after medical bills a few years ago. The business deposits steadily from spring through fall and keeps a modest balance in winter. A bank declined on the score alone. When we review the file, the deposit history carries much of the weight, and the offer is sized to what the deposits and existing obligations can support.
Our 5-minute application starts with a soft credit pull. No tax returns are required, and sole proprietors can apply. Every offer shows the full repayment amount before you accept, and qualified businesses can be funded in as little as 24 hours.
FICO scores of 500 and up are considered. The score is reviewed together with your deposits and obligations.
We start with a soft credit pull, which does not carry the same impact as a hard inquiry.
We focus on your business deposits and existing obligations. Your offer explains everything that applies before you accept.
Tell us about it. We weigh it alongside how your business is depositing today.
Yes, sole proprietors can apply.
It can be. Credit is one factor alongside deposits and existing obligations, and the full picture shapes the amount.
Example uses for illustration only.
Rebuilding credit takes time, but these steps help right away.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding