FICO 500+ considered. Your business bank statements carry real weight. Soft pull to start, no tax returns, sole proprietors welcome.
Check My OptionsMichigan Bad Credit Funding
Plenty of Michigan owners rebuilt their businesses after rough years. We review about three months of business bank statements and size funding from $25,000 to $5,000,000 around what your deposits support.
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, about three months of statements, and funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposits, obligations and track record carry real weight.
Your offer shows the full repayment amount before you accept. Nothing new appears after you sign.
Your repayment schedule is laid out in the offer up front.
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.
Michigan has been through some hard economic cycles, and plenty of owners carry credit damage from those years even though their businesses are running steadily now. A collision shop in Warren, a family restaurant in Saginaw, an HVAC company in Ann Arbor: each can have healthy deposits and a score that a bank will not look past.
We consider FICO scores of 500 and up, and we put real weight on what your business bank account shows today.
With a lower score, the rest of the file has to tell the story. Funders generally weigh:
These are weighed together. A lower score with strong, steady deposits reads very differently from a lower score with erratic ones.
Depending on your file, you may be looking at a merchant cash advance, working capital, revenue-based financing, a line of credit or equipment financing. Amounts range from $25,000 to $5,000,000, sized mainly to deposits and existing obligations.
Many Michigan businesses do not have flat revenue. Northern tourism peaks in summer and fall color season, snow contractors earn in winter, and auto-related suppliers follow production cycles. That is not a problem by itself. What matters is that the pattern in your statements is understandable and that your offer is sized to fit it.
For illustration: a snow and landscaping company applying in March may show strong winter deposits and a quieter stretch before spring jobs begin. Explaining that rhythm in your application helps the review make sense of the numbers.
Our 5-minute application starts with a soft credit pull. No tax returns required. Sole proprietors can apply. Your offer lays out the full repayment amount and the repayment schedule before you accept, and funding can arrive in as little as 24 hours for qualified businesses.
FICO scores of 500 and up are considered. Your deposits, existing obligations and time in business are weighed alongside your score.
We start with a soft credit pull, which does not affect your score.
We review each file as a whole. Past credit events are considered alongside your current deposits and account history, so share the context in your application.
About three months of business bank statements. No tax returns are required.
In as little as 24 hours for qualified businesses after you accept an offer.
Yes. Sole proprietors can apply, and the same review applies: deposits, obligations, account history and credit weighed together.
Example uses for illustration only.
Honest steps that strengthen a lower-credit file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding