FICO 500+ considered for New Hampshire businesses with steady deposits. Soft pull to start, no tax returns required.
Check EligibilityBad Credit Funding, NH
A rough credit history does not have to block funding. We look at recent deposits and what you already owe, then decide what offer makes sense.
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 and about three months of statements. Qualified businesses can be funded in as little as 24 hours.
Your score is weighed with deposits and time in business, not alone.
Your offer shows the full repayment amount before you accept. No surprise costs 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.
A tough winter, a client who never paid, a personal health issue that spilled into the business. Plenty of New Hampshire owners have a credit score that does not match how their company runs today. We consider FICO 500 and up, and we put real weight on what your recent bank deposits show.
A score is one piece. In our review, it sits beside:
None of these settles the decision by itself. A strong deposit record can help a lower score, and heavy existing obligations can limit an offer even with good credit.
Tourism, outdoor recreation, and seasonal retail are part of life in the Lakes Region, the White Mountains, and along the Seacoast. Lean months can lead to late payments that show up on a credit report. If that is your story, explain it. We review the full year, not just the worst month.
Funding with a lower score can solve an immediate need, but it is worth planning the next step too. Paying obligations on time, keeping balances positive, and growing deposits all make your next application stronger. Over time, that can open more products and larger amounts.
For illustration, a Rochester cleaning company that uses working capital to land a larger commercial contract, then keeps its account steady and current, will look very different on its next review. We look at what changed since the last time you applied, not just the old marks on your report. Sole proprietors with credit challenges go through the same review as larger companies, with deposits weighed alongside the score. If you are unsure where you stand, our qualification overview is a good place to start.
Owners with credit challenges often consider a merchant cash advance or working capital in New Hampshire. To understand how credit fits into the picture, read our credit score requirements guide. Starting is a soft pull. Apply in about five minutes.
FICO 500 and up is considered. The final decision depends on deposits, obligations, and the full file.
No. We start with a soft credit pull, which does not affect your score.
Our review focuses on deposits and existing obligations. Your offer will explain any requirements before you accept.
You can apply. Collections are weighed with everything else, so share any context that helps.
Qualified businesses can be funded in as little as 24 hours.
Paying any obligation on time and keeping your account healthy can help your next review. Results vary by business and credit history.
Example uses for illustration only.
Small changes can make a lower-score application stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding