FICO 500+ considered. We focus on your recent deposits, start with a soft pull, and skip the tax return pile.
Check My OptionsBad Credit Funding
A rough patch on your credit report doesn't tell us how many plates you sold last month. Your bank statements do.
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.
About three months of statements and a five-minute application. Funding in as little as 24 hours if qualified.
Credit is weighed with deposits and obligations. Soft pull to start.
The full repayment amount is shown in your offer before you accept. Nothing surprises you after you sign.
Repayment is laid out in your offer, so you can test it against slow weeks.
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 food truck owners bootstrapped. They put the first truck on a personal card, missed a payment during a slow winter, and now their score doesn't match how the business actually performs. If you're looking for bad credit business loans for food trucks, the good news is that your deposit history counts.
We consider FICO 500 and up, and we start with a soft pull so checking an offer doesn't dent your score further.
Credit is one input. Funders also look at how consistent your deposits are, how often the balance runs very low, and what other obligations are already coming out of the account. A truck with steady deposits and a lower score can look stronger than one with a higher score and erratic sales.
None of that means approval is certain. It means the whole picture gets reviewed, not just one number. See how food trucks qualify for more on each factor.
Honest answers here usually lead to a better request and a better outcome.
Depending on your statements, an offer could be a merchant cash advance, working capital, or revenue-based financing. Each works a little differently, and your offer explains which one you're looking at, the full repayment amount, and the schedule before you accept.
Funding can help the business keep moving, but the long game is a stronger credit profile. Paying every scheduled obligation on time, keeping the account balance from bottoming out, and avoiding piling up new debts at the same moment all show up over time. Many truck owners also separate personal and business finances fully once they're past the startup phase, which makes future reviews much cleaner. Our food truck cash flow guide has practical ideas for smoothing the seasonal swings that often caused the credit trouble in the first place.
The application takes about five minutes. You'll share about three months of business bank statements, and no tax returns are required. Sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours.
FICO 500 and up is considered.
We start with a soft pull, which does not affect your credit score.
Credit is one factor. The amount depends mainly on your deposits and existing obligations.
Yes, you can apply. We review your current deposit history and the full picture, and the offer, if any, reflects that.
Your offer will explain any requirements clearly before you accept.
Example uses for illustration only.
These steps can strengthen your profile over time.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding