FICO 500+ considered. We look at how your boutique's deposits move, not just your score. Soft pull to start and no tax returns required.
See What I Qualify ForBad Credit Apparel Funding
Apparel shops with a bruised credit report but steady card deposits can still have options. We weigh the full picture from three months of bank statements.
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 minutes to apply and about three months of business bank statements. No tax returns, and funding in as little as 24 hours for qualified stores.
Credit matters, but so do your deposits. We read how sales flow through your account across the season.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your offer lays out the repayment schedule up front so you can budget around slower months.
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 boutique owners carry a credit score that reflects one rough year: a lease that went sideways, a supplier dispute, medical bills at home. Meanwhile the store itself keeps ringing up sales every weekend. Banks tend to stop reading at the score. We read further.
We consider owners with a FICO of 500 and up. That does not mean credit is ignored. It means your score is one input next to the thing that matters most for repayment: how consistently money lands in your business account.
When we review a clothing store, we look at about three months of business bank statements. A few things stand out to any funder reading them:
A weaker score paired with steady deposits reads very differently than a weaker score with erratic ones. If something unusual shows up, such as a one-time refund wave after a recall, a short explanation helps the reviewer understand it.
Revenue-linked products tend to suit owners who are still rebuilding credit. A merchant cash advance is repaid from future card sales. Revenue-based financing ties payments to the revenue the business brings in. If you need flexibility for repeat buying, a business line of credit may fit. Not sure what your file looks like to a funder? Our clothing store qualification guide walks through it.
The application takes about five minutes and starts with a soft credit pull. Send three months of business bank statements; no tax returns required. Sole proprietors can apply. Your offer spells out the full repayment amount and the schedule before you accept.
We consider FICO 500+. Your score is weighed alongside your deposit history and existing obligations, not on its own.
We start with a soft credit pull, which does not act like a hard inquiry at that first step.
It depends on the whole file. Funders look at how recent it was and how steady your deposits are now. We review each application on its merits.
No. We review about three months of business bank statements instead.
Funding ranges from $25,000 to $5,000,000, and the amount depends mainly on your deposits and existing obligations.
Yes. Most clothing stores use funding for stock, store updates, payroll or marketing. Tell us what the money is for when you apply so the offer can be sized around that need and your deposits.
Example uses for illustration only.
These steps can strengthen how a funder reads your file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding