FICO 500+ considered. We look at how your business performs today. Soft pull to start, no tax returns, about three months of bank statements.
See My OptionsBad Credit Funding, New York
If your credit took a hit but your sales are steady, you may have more options than the bank suggested. We review your account activity and show every cost before you accept.
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-minute application, about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
Your score is one factor next to deposits and existing balances.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Payments are laid out in the offer up front so you can plan.
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.
Many New York owners hear no from a bank because of a credit score shaped by things unrelated to how the business runs today: the pandemic years, a personal hardship, a partner who left behind debt. If your business account shows steady deposits, there is still a path. We consider owners with FICO scores of 500 and up and review the business before the score.
Funders who work with lower credit tend to focus on cash flow. Here is how we read a file:
Credit still matters. It is simply one factor among several rather than the whole decision.
New York's economy runs from finance and hospitality in the city to manufacturing, agriculture and tourism upstate. A Bronx auto shop, a Utica restaurant and a Saratoga summer business each have different deposit patterns. We read yours on its own terms, and you can explain any unusual months in your application.
A merchant cash advance is often the first stop because repayment comes from sales. Working capital and equipment financing may also fit. Funding ranges from $25,000 to $5,000,000.
Funding can help a business with weak credit get back on solid ground if it is used with a clear purpose. Restocking a profitable product line, fixing equipment that is costing you jobs or covering payroll through a slow stretch can all strengthen future deposits. Steady, on-time repayment and a clean business account also make your next application easier to review. We suggest borrowing for a need you can name, in an amount your slowest months can support.
The application takes about five minutes and starts with a soft credit pull. No tax returns are required, and sole proprietors can apply. Your offer shows the full repayment amount and schedule before you accept, and funding can arrive in as little as 24 hours for qualified businesses.
We consider FICO scores of 500 and up. Your deposits, existing obligations and account history are weighed alongside the score.
A soft credit pull does not affect your credit score.
Note it in your application. We look at the overall pattern of deposits and how the business has handled slow periods.
No. We work mainly from about three months of business bank statements.
Yes. Sole proprietors can apply if the business has steady deposits.
A past bank decline does not decide your file. We review your deposits, obligations and credit together.
Example uses for illustration only.
Small changes can make your file read stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding