FICO 500+ considered. Texas owners can apply in 5 minutes with a soft pull and about three months of business bank statements.
Check My OptionsBad Credit Funding, Texas
We review steady deposits, existing obligations and account health alongside credit. Amounts from $25,000 to $5,000,000 for established Texas businesses.
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 three months of statements and a 5-minute application. No tax returns required.
Credit history is weighed in context with deposits, so a rough patch does not define the whole file.
Your offer lists the total repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is spelled out in the offer, so you can plan around it from day one.
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 reasons that have little to do with how a business runs today. A divorce, a medical bill, a hurricane season that closed the doors for a few weeks, or a partner who left debt behind can all pull a score down. Banks often stop the conversation there. We look further.
We consider Texas owners with FICO scores of 500 and up, and we put real weight on what your business bank account shows: how much comes in, how steadily, and what you already owe.
Credit tells a funder how past obligations were handled. Deposits show whether the business can carry a new payment now. In a review, both are considered together:
No single item decides the outcome, and we do not publish cutoffs because each file is reviewed as a whole.
Depending on how your revenue comes in, you might look at a merchant cash advance in Texas, where repayment is tied to sales, or general working capital for payroll and inventory. If the need is a specific machine, equipment financing ties the funding to the asset. Requests run from $25,000 to $5,000,000.
If you have been turned down before, you may worry about more inquiries piling up. We start with a soft credit pull, so checking your options does not affect your score. The application takes about five minutes, and we work from about three months of business bank statements rather than tax returns. Sole proprietors can apply. Apply here when your statements are ready.
When credit is bruised, it is tempting to accept the first yes. Take a minute instead. Our offers show the full repayment amount and the payment schedule before you accept, so you can compare them against your real monthly cash flow.
We consider FICO scores of 500 and up. The score is reviewed alongside your deposits and current obligations, not by itself.
No. We start with a soft credit pull, which does not affect your credit score.
Not automatically. Funders look at timing, resolution and current account activity. Explaining the situation on your application helps the review.
About three months of business bank statements and the 5-minute application. No tax returns required.
Compare the full repayment amount and schedule in your offer against your monthly deposits before accepting, and only take what the business can comfortably carry.
Example uses for illustration only.
Small changes can strengthen a file when credit is the weak spot.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding