FICO 500+ considered. We weigh your deposits and track record, not just your score. Soft pull to start, no tax returns required.
Check My OptionsMassachusetts Bad Credit Funding
Massachusetts owners with bruised credit can still show steady revenue. We look at about three months of business bank statements and size funding from $25,000 to $5,000,000 around what your account supports.
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.
Your score is one input. Deposits, obligations and time in business are weighed alongside it.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer up front, so you know what comes out and when.
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 Massachusetts owners run solid businesses with a credit report that tells a rougher story. A medical bill from years ago, a tough stretch after a lease ended, a personal card that ran high while the business was getting started. Banks in Boston and across the Commonwealth tend to weigh that history heavily. We look at it too, but it is one factor among several.
Merchant Fund Express considers FICO scores of 500 and up. What carries more weight in our review is how money moves through your business bank account today.
When a funder reviews a file with lower credit, the question is whether the business itself shows the capacity to repay. That usually comes down to:
None of these is a pass or fail switch on its own. They are weighed together.
The state's economy runs from hospitals, labs and universities in Greater Boston to restaurants, contractors, auto shops and retailers in Worcester, Springfield and Lowell. Then there is the seasonal side: Cape Cod, the Islands and the Berkshires lean hard on summer and fall traffic, and coastal businesses tied to fishing see their own cycles. A seasonal business with lower credit can still show a predictable pattern of deposits across the year, and that pattern matters.
Depending on your file, options may include a merchant cash advance, working capital, revenue-based financing, a business line of credit or equipment financing. Funding ranges from $25,000 to $5,000,000, sized mainly to your deposits.
The application takes about 5 minutes and begins with a soft credit pull. Send about three months of business bank statements; no tax returns are 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.
We consider FICO scores of 500 and up. Your score is weighed alongside your deposits, existing obligations and time in business, so no single number decides the outcome.
We start with a soft credit pull, which does not affect your score. You can see where you stand before going further.
No. We review about three months of business bank statements instead of tax returns.
Yes. Seasonal businesses can apply. We look at the deposit pattern across your statements, and a predictable seasonal rhythm is something funders can work with.
Funding can arrive in as little as 24 hours for qualified businesses once you accept an offer.
Example uses for illustration only.
A few honest steps can strengthen a lower-credit application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding