Funding options for stations with less-than-perfect credit. FICO 500+ considered, soft pull to start, no tax returns.
Check My OptionsBad Credit Funding
A low score does not mean your station is not running well. We weigh your recent deposits and obligations alongside your credit.
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 and about three months of statements. Funding in as little as 24 hours if qualified.
Your score is one factor. Deposit history and obligations matter too.
The full repayment amount appears in your offer before you accept. No surprise costs after signing.
Your repayment schedule is laid out in the offer up front.
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 station owners have a credit score that does not reflect how their business runs today. A rough year, a medical bill, a past partnership that went sideways. Banks often stop the conversation there. We consider FICO scores of 500 and up, and we look closely at what your station's deposits show right now.
That does not mean credit is ignored. It means credit is one input among several, and a steady deposit history can carry real weight.
When a score is on the lower side, funders tend to look harder at the rest of the file:
For more detail, see qualifying as a gas station.
Depending on your file, options can include a merchant cash advance, working capital, a business line of credit, equipment financing, or revenue-based financing. Funding ranges from $25,000 to $5,000,000, and the amount depends mainly on deposits and existing obligations.
Funding can help a station get through a tight stretch, but it works best alongside a plan. Owners who come back stronger usually separate personal and business spending, keep the operating account clean, and stay current on what they already owe. Over time, that steady record is what funders look at first. If you want a broader look at managing the ups and downs of station cash, our gas station cash flow guide is a good place to start.
Taking on new funding should make the month easier, not harder. Pick an amount that matches a specific need rather than the largest number on offer.
The application takes about 5 minutes. We start with a soft credit pull and ask for about three months of business bank statements. No tax returns are required, and sole proprietors can apply. Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Every offer lays out the full repayment amount and the repayment schedule before you sign, with no surprise costs after you sign. If you have been burned by unclear terms before, take your time with it. When you are ready, start your application.
FICO 500+ is considered. Funders weigh your score alongside deposit history and existing obligations, so a lower score does not end the review on its own.
We start with a soft credit pull.
Steady deposits, a clean bank account with few overdrafts, and a manageable level of existing obligations.
No tax returns are required. We review about three months of business bank statements.
Fuel, inventory, repairs, payroll, equipment, and other station operating needs.
Yes. Sole proprietors can apply, and FICO 500+ is considered.
Example uses for illustration only.
These honest steps can strengthen a file when credit is a weak spot.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding