FICO 500+ considered for established Kentucky businesses. We weigh steady deposits heavily. Soft pull to start, three months of statements, no tax returns.
Check My OptionsKentucky Bad Credit Funding
From eastern Kentucky contractors to Louisville restaurants, we look past the score at how the business runs today.
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 statements. Funding in as little as 24 hours for qualified businesses.
Credit is one factor. Steady deposits and manageable obligations matter too.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer before you commit.
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.
Banks lean hard on credit scores, collateral, and years of tax returns. If any one of those is weak, the answer is often no. That leaves a lot of solid Kentucky businesses out: the Pikeville contractor who went through a rough patch when coal work dried up, the Paducah restaurant that is busy now but had a hard couple of years, the owner whose score took a hit from personal debt unrelated to the business.
We take a different starting point. FICO 500+ is considered, and your business bank statements carry real weight.
We look at the business as it runs today:
A lower score combined with strong, steady deposits can still lead to an offer. Weak deposits with a good score may not. There is no single cutoff that decides it.
Depending on your file, that might be a merchant cash advance, general working capital, or equipment financing for a specific purchase. We fund established businesses with steady deposits from $25,000 to $5,000,000.
The application takes about five minutes and starts with a soft credit pull, so checking does not hurt your score. Send about three months of business bank statements; no tax returns are needed. Sole proprietors can apply. Your offer shows the full repayment amount and schedule before you accept, and funding can arrive in as little as 24 hours for qualified businesses.
One honest note: funding should solve a business problem, not paper over one. If the account is losing money every month, more funding will not fix that, and we would rather tell you so.
For illustration, consider a Frankfort plumbing contractor whose personal score dropped after a medical emergency. The business has steady deposits from residential service calls and a couple of commercial contracts, and no other financing. A bank declines on the score. We weigh the deposits and clean obligations heavily, and the owner reviews an offer to buy a second service van. Results vary with every file.
FICO 500+ is considered. Your deposits and existing obligations are weighed alongside the score.
We review the whole file rather than one item. Be upfront about past issues on your application so we can weigh them in context.
We start with a soft credit pull, which does not affect your score.
About three months of business bank statements and the short application. No tax returns.
In as little as 24 hours for qualified businesses after you accept an offer.
Example uses for illustration only.
Small steps can make a credit-challenged file look stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding