FICO 500+ considered. About three months of bank statements, no tax returns, and a soft credit pull to start. $25,000 to $5,000,000.
Check My OptionsSouth Dakota Bad Credit Funding
From Sioux Falls storefronts to Black Hills seasonal shops, we look at how money moves through your account, not just a number on a credit report.
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.
A 5-minute application and about three months of bank statements. Qualified businesses can be funded in as little as 24 hours.
A past late payment or collection does not end the conversation. We weigh your current deposits alongside your credit.
Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so you can match it to your busy and slow months.
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 South Dakota owners have a score that took a hit for reasons that have little to do with how the business runs today. A hard winter that kept customers home, a bad year for a farm supply account, a medical bill that went to collections. Banks tend to stop reading at the score. We start with your deposits.
Merchant Fund Express considers owners with a FICO of 500 and up. We look at about three months of business bank statements to see how steady your revenue is, and we do not ask for tax returns. If the account shows a business that is open, busy and paying its bills, that counts for a lot.
Much of the state runs on a calendar. Ag-related businesses follow planting and harvest. Shops, motels and restaurants around the Black Hills see their busiest stretch in summer, while the cold months can be long and quiet. Sioux Falls and Rapid City have steadier year-round traffic from healthcare, retail and services.
When we review your statements, we read them with that rhythm in mind. A slow January next to a strong July tells a different story than a business that is shrinking month after month.
We start with a soft credit pull, so checking your options does not add a hard inquiry at the outset. Sole proprietors can apply. Funding runs from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Start your application.
We consider owners with a FICO of 500 and up. Your score is one input. Steady deposits and how you handle existing obligations carry real weight in the review.
We start with a soft credit pull, which does not affect your score. You will know where you stand before anything further happens.
No. We work from about three months of business bank statements instead.
Yes. We read your statements in context, so a predictable slow season is viewed differently from a steady decline.
Qualified businesses can be funded in as little as 24 hours once the review is done and the offer is accepted.
Yes. Many South Dakota businesses apply in late winter or spring to prepare for the busy months. We review your recent statements together with your seasonal pattern.
Example uses for illustration only.
A few steps can strengthen how your file reads to any funder.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding