FICO 500+ considered. Your deposits and how the business runs today carry real weight. Soft credit pull to start, no tax returns.
Check My OptionsBad Credit Funding, Oregon
Oregon owners with a rough credit history can still run strong businesses. Send about three months of statements and let the deposits make the case.
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 statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered. Deposits and obligations are weighed alongside the score.
The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.
Your offer lays out the repayment schedule 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 missed payment during a slow winter, a personal medical bill, or a partner who left the business with debts can drag a score down for years. Meanwhile the business may be busier than ever. Bank underwriting often stops at the score. Ours keeps going.
We consider owners with FICO scores of 500 and up and give real weight to how your business account performs.
| Factor | Why it matters |
|---|---|
| Deposit history | Shows the revenue that supports repayment |
| Existing obligations | Determines how much more the business can take on |
| Account balances | Frequent negatives signal cash strain |
| Credit score | One input, read alongside the others |
We review about three months of business bank statements. No tax returns are required.
Many Oregon businesses run on seasons: summer tourism on the coast and in the mountains, harvest periods for hazelnuts, berries, and grapes, and wet winters that slow outdoor trades. If your strongest months fall outside the statements we review, tell us. Context helps us read the file fairly.
Getting funded and rebuilding credit can happen at the same time. Pay every obligation on schedule, including any new funding, since a clean recent record helps future reviews. Pull your credit report and dispute errors. Keep a buffer in the business account so it doesn't dip negative. Over time, steady deposits and on-time payments give funders a fuller picture than an old mark on a report. When you're ready, the application takes about 5 minutes and starts with a soft pull.
The process is the same whatever your score: no tax returns, a soft pull to start, and an application that takes about 5 minutes. If something on your report has a clear explanation, such as a medical bill or a lost customer, add a short note so we can read it in context.
Owners rebuilding credit often consider a merchant cash advance, repaid from future sales, or working capital in Oregon. A line of credit or equipment financing may also fit. Amounts range from $25,000 to $5,000,000. Apply in about 5 minutes.
We consider FICO scores of 500 and up. Your score is reviewed alongside deposits, balances, and existing obligations.
No. We start with a soft credit pull, which does not affect your credit score.
You can apply. We look at the full picture, including how the business performs now. Explaining the history in your application helps.
Yes. Sole proprietors can apply. A separate business bank account makes the review easier.
The timeline is the same for every file. Qualified businesses can be funded in as little as 24 hours.
Our review focuses on deposits, balances, and existing obligations. Your offer explains exactly what you are agreeing to before you sign.
Example uses for illustration only.
Small changes now can lead to a better offer down the road.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding