FICO 500+ considered for Missouri businesses with steady deposits. Soft credit pull to start, about three months of statements, no tax returns.
Check My OptionsMissouri Bad Credit Funding
A rough credit history does not erase a business that earns money every week. We look at the full picture, starting with your bank activity.
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.
Apply in about 5 minutes with roughly three months of bank statements. Funding in as little as 24 hours for qualified businesses.
We weigh your credit alongside deposit consistency and existing payments, not as a single cutoff.
Your offer shows the full repayment amount before you accept, and nothing new appears after you sign.
Your offer spells out the repayment schedule up front, so you can test it against your deposits.
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 Missouri businesses have owners with bruised credit. A medical bill, a divorce, a rough year during a slowdown, or a business that failed before the current one. None of that changes the fact that your shop, restaurant or crew is bringing in money every week. A bank often stops reading once it sees the score. We look further.
Merchant Fund Express considers FICO scores of 500 and up for established businesses with steady deposits, with funding from $25,000 to $5,000,000.
Credit is one input, not the decision by itself. Here is roughly how funders like us read a file with lower credit:
A lower score can still lead to an offer when the rest of the file is strong. It can also mean a smaller amount, which is why we review the whole picture.
The 5-minute application starts with a soft credit pull, so you can see where you stand without a hard inquiry at the outset. We review about three months of business bank statements. No tax returns are required, and sole proprietors can apply.
Be upfront about past credit issues in your application. A short explanation of what happened and how the business has performed since gives useful context to the numbers.
When credit is tight, it is tempting to accept the first offer that shows up. Take the time to read it. Ours shows the full repayment amount and the repayment schedule before you accept, with no surprise costs after you sign. If the payment does not fit your deposits, it is not the right offer, and you are free to walk away.
Depending on how your business takes payments, working capital in Missouri or a Missouri merchant cash advance may fit. If you need a specific asset, equipment financing is another route. For timing questions, see fast funding in Missouri.
FICO scores of 500 and up are considered. The score is weighed alongside your deposits and existing obligations.
We start with a soft credit pull, which does not affect your score the way a hard inquiry can.
It can. Amounts depend mainly on deposits and existing obligations, and credit is part of the overall review.
Yes. Sole proprietors can apply. We review the business's bank statements and the owner's credit together.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
Credit takes time to rebuild, but these steps can help your next application right away.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding