FICO 500+ considered. Apply in 5 minutes with a soft pull and about three months of business bank statements. No tax returns required.
See My OptionsBad Credit Funding, Utah
Funding from $25,000 to $5,000,000 for established Utah businesses, sized mainly on deposits and existing obligations rather than the score alone.
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.
Five minutes, a soft pull and about three months of statements. No tax returns required.
FICO 500+ considered. Deposits, balances and obligations all count.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The payment schedule is laid out in your offer so you can plan around it.
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 Utah owner with a 540 score and two years of steady deposits often has a healthier business than the score suggests. Maybe a slow winter season led to late payments. Maybe a medical bill or a failed partnership left a mark. Banks frequently decline at that point. We consider FICO scores of 500 and up and look at what your business account shows right now.
When credit is below what a bank wants, other parts of the file carry more weight:
Each factor is considered together. We do not publish thresholds because no single number decides the file.
Many Utah businesses earn most of their revenue in a few months, from ski-town shops to tour operators near the national parks. Lean months can lead to late payments that show up on credit, even when the business is fundamentally sound. If that describes you, say so in the application. Funders read deposit patterns across your statements, and a known seasonal cycle reads very differently from a steady decline.
Owners rebuilding credit in Utah often look at a merchant cash advance, where repayment is tied to sales, or working capital for payroll and inventory. A business line of credit may fit recurring needs. Amounts range from $25,000 to $5,000,000.
The application takes about five minutes and starts with a soft credit pull. We need about three months of business bank statements and no tax returns. Sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Start here.
Before you accept, compare the full repayment amount and schedule against your slowest months, not just your best ones. That simple check helps make sure new funding supports the business instead of straining it during the off-season.
We consider FICO scores of 500 and up. Your deposits, existing obligations and account history are reviewed together with the score.
We start with a soft credit pull, which does not affect your score.
Bank declines are often based on credit score or paperwork requirements. We weigh deposits heavily and do not require tax returns, so the review looks at different factors.
Seasonality is common in Utah. Funders look at deposit patterns over time, and explaining your cycle on the application helps put the numbers in context.
Your offer shows the full repayment amount and payment schedule before you accept.
Example uses for illustration only.
These steps can strengthen a Utah application when credit is weak.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding