FICO 500+ considered. We look at how your Maine business is running now, using three months of bank statements, not just your score.
Check My OptionsBad Credit Funding, Maine
Soft pull to start, no tax returns, and an offer that shows the full repayment amount before you accept.
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.
5-minute application with three months of statements. Qualified businesses funded in as little as 24 hours.
FICO 500 and up is considered. Deposits and obligations carry real weight.
The full repayment amount is in your offer before you accept, and nothing changes after you sign.
Your repayment schedule is clear in the 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.
Running a business in Maine means riding out long off-seasons, high heating bills and the occasional bad year on the water or in the woods. It is common for an owner's credit to take a hit during a hard stretch even when the business has bounced back. Many banks see a lower score and stop reading. We consider owners with a FICO of 500 and up and look closely at what your bank statements show today.
Your score tells us about past payment history. Your deposits show current revenue, and your existing loans or advances show how much room is left for new payments. We weigh all three together. A strong deposit history can carry weight when the score is low, and a high number of current obligations can limit what makes sense even with good credit. No single factor settles a decision on its own.
No tax returns are required, and we start with a soft credit pull. Sole proprietors can apply.
If your statements include a quiet winter, say so. We read deposits across the full period and ask about your year. A summer-heavy business with a clean, consistent pattern inside its season reads very differently from one with random dips. Explaining the pattern up front saves time and helps us size funding to what your deposits and obligations can support. It also helps to show that slow months are planned for, for example by keeping a reserve or trimming costs once the season ends.
We will also be honest about what we cannot do. We will not tell you a low score does not matter, and we will not promise an outcome before we review your statements. What we can do is give your application a fair look based on how the business actually performs.
Owners with lower credit often look at a merchant cash advance in Maine, revenue-based financing or working capital in Maine. Whatever you choose, your offer shows the full repayment amount and schedule before you accept. Apply to see your options.
FICO 500 and up is considered, together with deposits and current obligations.
Not necessarily. Funding amounts depend mainly on your deposits and existing obligations.
No. We start with a soft credit pull, which does not affect your score.
Yes. Sole proprietors with steady business deposits can apply.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Staying current on every payment builds a cleaner track record, which future funders and banks can see in your statements and credit history. It is one of the more practical ways to rebuild after a hard stretch, alongside avoiding overdrafts and keeping business deposits in one account.
Example uses for illustration only.
Honest steps that can help a lower-credit application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding