FICO 500+ considered. We look at your deposits and job flow, start with a soft pull, and funding can land in as little as 24 hours for qualified painters.
Check My OptionsBad Credit Funding for Painters
Draws, retainage and slow final payments make cash uneven. We review three months of bank statements to see the real rhythm of your business, not just a credit score.
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.
Short form, about three months of bank statements, no tax returns. Qualified painting contractors can be funded in as little as 24 hours.
A low score is weighed alongside your deposits, existing obligations and time in business. It is not the whole story.
Your offer lists the full repayment amount before you accept, so there are no surprise costs after you sign.
The repayment schedule is laid out in the offer, so you can match it against slow winter months before committing.
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.
Painting is a business of deposits, draws and final payments. A rough year, a slow-paying general contractor or a medical bill can drag a personal score down while the crews keep working. When we review a painting contractor, we consider FICO scores from 500 up and spend most of our attention on about three months of business bank statements.
Those statements show what a credit report cannot: how often money comes in, how big the typical job is, and whether the account holds a cushion between jobs. A painter with steady commercial repaints and a 540 score can look stronger on paper than the score alone suggests.
If spray rigs and lifts are the main need, our page on equipment financing for painting contractors walks through that product.
Funders read credit in context. Recent late payments carry more weight than old ones. Open collections, tax liens and recent defaults get a closer look. A low score with clean, consistent deposits is a different conversation than a low score with frequent overdrafts. We do not publish cutoffs, because the decision rests on the whole picture: deposits, existing obligations and how long you have been operating.
Products we may offer include a merchant cash advance, working capital, revenue-based financing or a line of credit, depending on how your revenue arrives.
Every offer shows the full repayment amount and the repayment schedule before you accept. Read both against your slowest month, not your best one. Painting has a winter dip in many regions, so make sure the payment fits when exteriors pause.
The application takes about 5 minutes, begins with a soft credit pull, and asks for roughly three months of business bank statements. No tax returns are required. Sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours.
Not by itself. We consider FICO 500+ and look closely at your bank deposits, existing obligations and time in business before making a decision.
We start with a soft credit pull, which does not affect your score.
Yes. Sole proprietors can apply. We review your business bank statements the same way we would for an LLC.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and what you already owe, not on the size of a single upcoming bid.
About three months of business bank statements and the short application. No tax returns.
Yes. Many painters use funding for materials and labor on a large job. The amount is still based mainly on your deposits and existing obligations, not on the contract value alone.
Example uses for illustration only.
A few steps can strengthen your file before or after you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding