FICO 500+ considered. We look at your deposits and how your business actually runs, not only your score. Soft pull to start.
Check My OptionsBad Credit Funding, Montana
Montana owners with bruised credit can still show a strong business. About three months of statements, no tax returns, and a 5-minute application are all we need to start.
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. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ is considered. We weigh deposits and existing balances alongside your score.
Your offer shows the full repayment amount before you accept. No surprise costs appear after you sign.
The repayment schedule is laid out in your offer so you know exactly what to expect.
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 Montana owners carry a credit score that took a hit during a slow winter, a medical bill, or a rough first year. Banks tend to stop reading the file once they see that number. We read further. Our review starts with how money actually moves through your business account, because that is what pays a funding obligation back.
We consider owners with a FICO score of 500 and up. The score still matters, but it sits next to your deposits, your time in business, and the balances you already carry.
No tax returns are required, and the first look uses a soft credit pull that does not affect your score.
Much of the state runs on agriculture, ranching, tourism, and trades that slow down when the snow arrives. A summer-heavy deposit pattern is not a red flag by itself. We look at whether the business has handled its off months before and how the strong months compare. If you want to explain a dip, tell us during the application.
Owners with lower scores should expect the offer to reflect that risk, so read it closely. Your offer shows the full repayment amount and schedule before you accept. Compare that total against what the money will actually do: replace a broken baler before haying, cover payroll until summer bookings land, or restock before tourist season. If the math only works in your best month, ask for a smaller amount. Taking only what the business needs is one of the simplest ways to rebuild credit while keeping cash flow healthy.
Owners with credit challenges often look at a merchant cash advance in Montana, which is repaid from future sales, or general working capital for payroll, inventory, or repairs. Some also qualify for a business line of credit or equipment financing. Funding ranges from $25,000 to $5,000,000 depending on what your deposits support.
The application takes about 5 minutes. Start here.
We consider FICO scores of 500 and up. Your score is one factor; deposits, existing balances, and time in business are weighed alongside it.
We start with a soft credit pull, which does not affect your score. Any later step will be explained to you before it happens.
No. We ask for about three months of business bank statements and a short application.
Qualified businesses can be funded in as little as 24 hours after approval and signed paperwork.
Yes. Sole proprietors can apply, as long as the business runs deposits through a business bank account we can review.
Not by itself. We look at how the business has handled past off-seasons and how the strong months compare.
Example uses for illustration only.
A few habits can make your next application stronger, whatever your score is today.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding