Merchant Fund Express
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Bad Credit Business Loans for Printing

FICO 500+ considered. We look at the deposits your print jobs bring in, not just your score. Soft credit pull to start, and no tax returns required.

See My Options

Bad Credit Funding for Printing

Credit took a hit, the presses kept running

We review about three months of business bank statements to see how your shop runs today, then show the full repayment amount before you accept.

As fast as
24 hours

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.

Funding that reads past the score

Easy to start

A 5-minute application and about three months of statements. No tax returns required.

FICO 500+ considered

Credit is one factor. Steady deposits from print orders matter a great deal.

Clear total cost

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

Schedule up front

Your repayment schedule is laid out in the offer up front, so there are no surprises later.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Your shop is more than a credit score

Printing has had a rough couple of decades. Plenty of shop owners rode out the shift to digital, lost a big client or two, or leaned on personal credit to keep the doors open. The result can be a credit score that understates how the business is running today.

When you search for bad credit business loans for printing, you are usually looking for someone who will read past the score. We do. FICO 500+ is considered, and our review leans on your recent business bank statements: the orders you run, the deposits they produce and the obligations already coming out.

How funders weigh credit for a print business

Credit history shows how past obligations were handled. It matters, but it is not the only thing a reviewer looks at. For a print shop, the review typically considers:

Each factor is weighed together, and no single item decides the outcome. Our guide to qualifying for printing funding explains more.

Matching the product to the need

With credit challenges, the right structure matters. A merchant cash advance or revenue-based financing ties repayment to sales. Equipment financing is tied to a specific machine. For illustration, a screen printer with a lower score but a steady school and team-uniform business might use a sales-based product to buy blanks ahead of fall orders.

The process, start to finish

Fill out a 5-minute application. We run a soft credit pull to start and review about three months of business bank statements. No tax returns are required, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations, and can arrive in as little as 24 hours for qualified businesses.

Your offer shows the full repayment amount and schedule before you accept. Apply here when you are ready.

Frequently Asked Questions

Is there a minimum credit score?

FICO 500+ is considered. Your score is weighed alongside your deposits, existing obligations and time in business.

Will you pull my credit hard right away?

No. We start with a soft credit pull, which does not affect your score.

Does having one big client hurt my chances?

Funders may look at how concentrated your revenue is. It is one factor among many, so share context about the relationship when you apply.

What can I use the money for?

Common uses include paper and supplies, payroll, equipment repairs and taking on larger orders.

Do I need tax returns?

No. We work from about three months of business bank statements.

Should I wait until my score improves before applying?

Not necessarily. Starting with a soft credit pull lets you see your options without affecting your score. If the timing is not right, you will know what to work on, such as reducing overdrafts or separating personal spending.

Uniform blanks $25,000.00
Toner and ink $19,000.00
Laminator repair $23,500.00
Staff payroll $34,000.00

Example uses for illustration only.

How to improve your chances

Simple steps can make a file with credit challenges stronger.

  • Reduce overdrafts in the months before you apply
  • Keep business and personal spending separate
  • Be upfront about past credit problems
  • Show a mix of clients in your deposits if you can

Bad credit funding with us vs a bank

Merchant Fund Express
Traditional bank loans
Credit
FICO 500+ considered
Higher scores usually expected
Main focus
Recent bank deposits
Credit history and collateral
Documents
About three months of statements
Tax returns and financials
Credit check to start
Soft pull
Hard pull common
Funding speed
As little as 24 hours if qualified
Often several weeks

Let your deposits make the case

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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