FICO 500+ considered for established Indiana businesses. We focus on steady deposits. $25,000 to $5,000,000, no tax returns.
See If I QualifyIndiana Bad Credit Funding
Indiana owners with past credit trouble can still show a healthy business. Your recent bank statements give us the full picture.
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.
A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
We weigh deposit history and existing obligations, not just a score.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
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.
An Evansville HVAC owner who went through a rough stretch years ago. A Muncie salon owner with medical debt on their report. A Gary-area trucking yard serving regional routes that took a hit when a big customer folded. Each might have a score that makes a bank say no, while the business itself shows steady deposits today. We look at both.
FICO scores of 500 and up are considered for funding from $25,000 to $5,000,000 for established Indiana businesses.
Your credit report shows history. Your bank statements show the present. When the score is lower, recent deposit consistency, average balances, overdraft frequency, and existing financing payments carry more weight in the review. A file with a weaker score and strong, regular deposits reads very differently from one with the same score and erratic deposits. We do not apply a single cutoff beyond the FICO 500+ starting point, and no single factor settles the decision.
Restaurants and retailers often start with a merchant cash advance in Indiana.
Use the 5-minute application, which begins with a soft credit pull. Share about three months of business bank statements; tax returns are not required. Sole proprietors can apply. Your offer shows the full repayment amount and the repayment schedule before you accept, and funding can arrive in as little as 24 hours for qualified businesses.
A lower score can affect how much is offered and how the repayment schedule is structured, because funders see more risk. That is why your offer matters so much. It shows the full repayment amount and the schedule before you accept, so you can decide whether the payments fit your normal deposits. If they do not, ask about a smaller amount. Rebuilding credit while running a business is easier when new payments are comfortable, and keeping them current over time can strengthen your file for whatever comes next.
Funding works best when it goes toward revenue: stock for a strong season, a repair that reopens a service line, or staff for signed work. If the business is losing money month after month, more funding usually deepens the hole. In that case, a smaller amount or waiting may be the smarter call.
FICO scores of 500 and up are considered, alongside your deposits and existing obligations.
A soft credit pull does not affect your score.
No tax returns. We start with about three months of business bank statements.
Steady deposits in one business account, few overdrafts, and a clear explanation of past credit problems.
Yes, sole proprietors can apply.
Example uses for illustration only.
Steps that can help a lower-score file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding