Your deposits tell the real story. FICO 500+ considered, soft pull to start, and about three months of statements instead of tax returns.
See What I Qualify ForBad Credit Funding, Washington
We read your bank statements and current obligations, not just a credit number, before deciding what we can offer.
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 five minutes with about three months of bank statements. No tax returns, and funding in as little as 24 hours for qualified businesses.
Credit is one factor. Steady deposits and manageable obligations carry real weight.
Your offer shows the total repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer up front, so nothing catches you off guard.
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.
We talk with Washington owners every week whose businesses are doing fine but whose credit reports say otherwise. A divorce, a failed first business, a bad year during a downturn, or medical debt can leave a mark long after the problem is solved. Meanwhile the landscaping company in Snohomish County keeps its crews busy, and the food truck in Spokane keeps selling out at lunch.
We consider FICO scores from 500 and focus heavily on what your business bank account shows today.
When credit is weaker, other parts of the file matter more. Here is how we think about it:
Owners rebuilding credit often look at a merchant cash advance in Washington or revenue-based financing, since both lean on business revenue. Working capital with a set schedule and equipment financing are also possibilities, depending on your deposits and needs. Funding ranges from $25,000 to $5,000,000.
For illustration: an Olympia cleaning company owner has a score in the mid-500s after a past business closed, but the current company has deposited steadily for years with no overdrafts and no open advances. That account history gives us a lot to work with. A similar owner with the same score but several open advances and frequent negative balances would likely see a smaller offer or be asked to wait. The score was the same; the rest of the file made the difference.
Qualified businesses can be funded in as little as 24 hours. Start here.
FICO 500+ is considered. Whether a specific file is approved depends on deposits, existing obligations and account history alongside the score.
We start with a soft credit pull, which does not count as a hard inquiry.
You can still apply. We review the full picture, including how your current business account has performed.
The 5-minute application and about three months of business bank statements. No tax returns required.
Your offer shows the full repayment amount and the repayment schedule before you accept, so there are no surprise costs after you sign.
Example uses for illustration only.
These steps can improve how your file reads, whatever your score.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding