Your deposits matter more than an old credit setback. Soft credit pull to start, about three months of bank statements, no tax returns.
Check EligibilityOhio Bad Credit Funding
Old credit problems should not define a busy business. We weigh your deposit history and account health alongside your score, starting with a soft pull.
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.
About 5 minutes and three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposits, existing obligations and account health all carry weight.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The schedule is laid out in your offer up front, so you can judge whether it fits 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 that say little about how a business runs today. A medical bill, a divorce, a rough year during a plant layoff, a slow season that ran long. We talk with Ohio owners every week whose business is busy and paying its bills, but whose personal score still carries the marks of an older problem.
That is why we consider FICO 500+ and look closely at your deposits. Bad credit business funding from us is not a different product. It is the same set of options, reviewed with more weight on how your business performs now.
Credit is one input among several. In our review, the factors that usually carry the most weight are:
A lower score can still affect the amount or structure of an offer. We will not tell you it does not matter, and we will not tell you it rules you out.
Depending on how your business brings in revenue, these are worth comparing:
One concern we hear often: will checking my options lower my score again? We start with a soft credit pull, so looking does not carry the same impact as a hard inquiry. The application takes about five minutes, and we work from about three months of business bank statements. No tax returns required, and sole proprietors can apply.
Your offer will show the full repayment amount and schedule before you accept. If it does not fit, you can walk away. Start your application to see where you stand.
FICO 500+ is considered. Your score is weighed alongside your deposits, account health and existing obligations.
We review each business on its own facts. Past credit events are part of the picture, but they are not the only thing we look at.
It can affect the amount or structure. The biggest drivers are usually your deposits and the obligations already on your account.
We start with a soft credit pull, which does not affect your score the way a hard inquiry does.
About three months of business bank statements. No tax returns are required.
Example uses for illustration only.
These honest steps can help a credit-challenged application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding