FICO 500+ considered. We look at your deposits, not just your score, and start with a soft pull that leaves your credit untouched.
Check OptionsMaryland Bad Credit Funding
Maryland owners with credit dings still run strong businesses. We weigh deposit history, balances and obligations alongside credit to see what fits.
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.
Five-minute application, about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
A past setback does not end the review. Steady deposits carry real weight.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer, so you know what to expect from day one.
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 solid Maryland businesses have owners with bruised credit. Maybe a medical bill went to collections, a past venture closed, or cards ran high during a hard year. Banks often stop reading at the score. We look further.
Merchant Fund Express considers FICO scores from 500 and puts real weight on the health of your business bank account. If deposits are steady and the business is established, a lower score does not end the conversation.
Credit is one factor among several. We also look at:
No single factor decides the outcome, and every file is reviewed on its own.
Depending on your deposits and needs, options may include a merchant cash advance in Maryland, working capital, a business line of credit, equipment financing, or revenue-based financing. Funding ranges from $25,000 to $5,000,000.
Fill out the 5-minute application. We start with a soft credit pull, which does not affect your score, and review about three months of business bank statements. No tax returns are required, and sole proprietors can apply. Your offer shows the full repayment amount and schedule before you accept. Qualified businesses can be funded in as little as 24 hours.
Funding works best when it pays for something that brings revenue back: inventory for a busy season, a repair that gets a crew back to work, or materials for a sold job. If the business is losing money each month, more funding can make that harder. We would rather talk through that honestly than push an offer that strains your cash flow.
A credit score reflects personal history. Your bank statements show how the business is running today. A Hagerstown auto shop with steady weekly deposits and few overdrafts can tell a stronger story than the score alone suggests, and that is the story we read closely.
We consider FICO scores of 500 and above. Your deposit history carries significant weight.
We start with a soft credit pull, which does not affect your score.
Not automatically. We review the whole file, including deposits, balances and existing obligations, before making any decision.
We do not require tax returns. We work from about three months of business bank statements and the application.
Keeping a positive balance, avoiding overdrafts, and routing all revenue through one business account all help your file read clearly.
Example uses for illustration only.
Small changes in your banking habits can strengthen a credit-challenged file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding