FICO 500+ considered. We look at your deposits, not just your score, with a soft credit pull to start and no tax returns required.
See My OptionsMinnesota Bad Credit Funding
Minnesota owners with bruised credit and steady revenue can apply for $25,000 to $5,000,000, with funding in as little as 24 hours for qualified businesses.
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 minutes online and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
We weigh deposit consistency and existing obligations alongside your credit history.
You see the full repayment amount in your offer before you accept. No surprise costs after you sign.
The repayment schedule is spelled out in the offer, so you can match it to your cash flow.
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.
Credit scores drop for all kinds of reasons: a medical bill, a rough winter for a seasonal operator, a partner who left a mess behind. None of that changes the fact that a Minnesota shop, restaurant or service company may be bringing in steady deposits every month. Merchant Fund Express considers FICO scores of 500 and up and puts real weight on how your business performs today.
Funding ranges from $25,000 to $5,000,000 for established businesses with steady deposits. Products include working capital, merchant cash advance, a business line of credit, equipment financing and revenue-based financing.
Your score tells a funder about past borrowing behavior. Your bank statements tell them about current cash flow. We look at both. Things we review include:
No single factor decides the outcome. A lower score paired with steady deposits reads differently from a lower score paired with shrinking revenue.
We hear from owners across the state: remodel-adjacent suppliers and HVAC companies in the Twin Cities suburbs, resort and bait shops up north that ride the summer season, food processors and ag service businesses in greater Minnesota, and independent retailers who took a hit and are rebuilding. The common thread is a real business with money moving through the account.
Owners with weaker credit sometimes feel pressure to take the first offer. Don't. Every offer from us shows the full repayment amount and the repayment schedule before you accept, so you can compare it to your margins and decide calmly. Take only what the business can carry.
Ready to see where you stand? Start the 5-minute application. Need something fast? See fast funding in Minnesota.
Using funding to steady operations can also help you get back on track: paying vendors on time, keeping payroll steady and avoiding overdrafts. Those habits show up in your bank statements and help on future reviews, with us or anyone else.
FICO scores of 500 and up are considered. Credit is reviewed alongside deposits and existing obligations.
We start with a soft credit pull, which does not affect your score the way a hard inquiry can.
Tax returns are not required. We mainly review about three months of business bank statements and your application.
Yes. Sole proprietors can apply, and the same review of deposits, obligations and credit applies.
It depends on how your revenue comes in. Card-heavy businesses often look at a merchant cash advance, while others use working capital or revenue-based financing.
Example uses for illustration only.
Honest steps that can strengthen a bad credit application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding