FICO 500+ considered. $25,000 to $5,000,000 for established Kansas businesses, based mostly on your deposits. Soft pull to start, no tax returns.
See My OptionsKansas Bad Credit Funding
From Wichita machine shops to farm-country suppliers, we review three months of deposits and weigh credit as one factor among several.
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.
Past credit trouble is weighed next to steady deposits and current obligations, not used as the only test.
Your offer lists the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out in your offer up front so you can plan around harvest and slow months.
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 Kansas owners carry a credit score that tells an old story. A drought year on the farm side, a medical bill, a slow stretch after a big customer left. Meanwhile the business itself is running: trucks are moving grain, the shop in Wichita is busy with aviation subcontract work, the restaurant in Lawrence fills up on game days. Banks tend to stop reading at the score. We read further.
Merchant Fund Express considers FICO scores of 500 and up. We fund established businesses with steady deposits, from $25,000 to $5,000,000, and the bank account carries more weight in our review than a single number.
Your score still matters. It is one input. Here is what else we look at:
None of these is a pass or fail switch. They are weighed together.
Many Kansas owners with past credit trouble land on a merchant cash advance in Kansas, since it is built around sales and deposits. Others use general working capital or equipment financing when the purchase is a specific machine. We will tell you which one the numbers point to.
Funding can arrive in as little as 24 hours for qualified businesses. Sole proprietors can apply.
For illustration, picture a Salina auto body shop with a credit score in the low 500s from a divorce a few years back. The shop itself has run steady for years, with insurance checks and customer payments landing every week. A bank declines on the score. In our review, the regular deposits and light existing obligations count for a lot, and the owner gets an offer sized to what the account supports. Every file is different, and amounts depend on your own deposits and obligations, but this is the kind of situation we see often across Kansas.
FICO scores of 500 and up are considered. The score is weighed alongside your deposits and existing obligations, not on its own.
No. We start with a soft credit pull, which does not affect your credit score.
Seasonal deposits are common in Kansas. We look at the pattern across your statements, so explaining your busy and slow months on the application helps.
No. About three months of business bank statements and the short application are what we start with.
Keeping the account positive, depositing all business revenue into one account, and listing any current financing honestly all make your file easier to review.
Example uses for illustration only.
A few habits make a credit-challenged file easier for any funder to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding