FICO 500+ considered. We review your deposits, not just your score. $25,000 to $5,000,000 with a soft pull to start.
See My OptionsBad Credit Funding, Rhode Island
Rhode Island owners with past credit trouble can still present a strong file when the business brings in steady revenue. We start 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.
5 minutes to apply and about three months of statements. Funding in as little as 24 hours if qualified.
FICO 500+ considered. Deposits and obligations get serious weight.
Your offer includes the full repayment amount. No surprise costs after you sign.
The repayment schedule is laid out in your 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.
Plenty of Rhode Island owners took a credit hit at some point: a slow off-season, a family emergency, a big client that went under. Banks often stop reading once they see the score. We keep reading.
FICO 500+ is considered, and most of our review is based on about three months of business bank statements. Steady deposits and manageable existing obligations can matter as much as your score.
Lower credit usually means a funder looks harder at everything else. Here is what we focus on:
No single factor decides a file. We review them together.
Restaurants and bakeries in Providence, salons in Cranston, auto shops in East Providence, cleaning and landscaping companies serving South County, and retailers in Newport during tourist season all apply. The common thread is an established business with steady deposits. Sole proprietors can apply too.
Funding runs from $25,000 to $5,000,000, and no tax returns are required.
A few weeks of preparation can change how your statements read. Route all business revenue into one account, avoid overdrafts and keep existing payments current. Pull your credit report and dispute anything inaccurate. If a past event caused the drop, such as a medical bill or a closed customer account, be ready to explain it in a sentence or two. None of these steps promise an outcome, but they help any funder see your business accurately rather than through one number.
Card-heavy businesses often look at a merchant cash advance in Rhode Island. Others prefer working capital in Rhode Island. Either way, 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. Apply in about 5 minutes.
FICO 500+ is considered. We weigh your score alongside your deposits and existing obligations.
We start with a soft credit pull, which does not affect your score the way a hard inquiry does.
You can apply. We review the full picture, including the timing and context of credit issues and how the business performs today.
About three months of business bank statements. No tax returns are required.
Amounts range from $25,000 to $5,000,000, driven mainly by your deposits and current obligations.
Yes. Sole proprietors can apply. We look at the deposits in your business account along with your credit history and existing obligations.
Example uses for illustration only.
A few practical steps can improve how a lower-score file reads.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding