Ask the bank for the reason, fix what you can (balances, negative days, documents), and apply where decisions rest on revenue and bank activity. Non-bank funders approve many files banks decline.
Check my optionsRequirements
A bank rejection is common and usually reflects the bank’s strict rules rather than whether your business can carry funding. The next step is to learn why and pick the option that matches.
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 human reads the file, not just an algorithm score.
Approved files are usually funded the next business day.
Advances, lines of credit and second-position options in one place.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
Start by asking the bank for the reason in writing. Typical causes are time in business under two years, credit below the bank’s threshold, not enough collateral, uneven profits on tax returns or industry policy. Each of those points to a different fix, and some, like collateral or tax-return profit, matter far less to non-bank funders.
If the reason is speed or paperwork, revenue-based funding reads three to six months of bank statements and can decide the same day. If the reason is credit, products that start at a 500 score can still work when deposits are steady. If the reason is collateral, unsecured options like advances or online lines may fit. And if you can wait, an SBA lender or community lender may say yes where a regular bank did not.
Do not respond to a rejection by applying everywhere at once. Multiple hard inquiries and scattered applications slow you down. One marketplace application reaches several funders with a single file, so you can compare offers calmly and choose one that fits your cash flow.
Here is what an offer might look like for a business a bank turned down for collateral, but with healthy deposits. Illustrative.
| Business bank statements | 3–6 months, PDF from the bank |
| Month-to-date activity | Recent transactions |
| Government ID | Owner(s) with 50%+ |
| Voided business check | For funding and payments |
| Existing advance details | Balance and payment of each |
| Business details | EIN, address, start date |
Complete files get faster decisions and larger offers.
| Under two years in business | Revenue-based funding with 3+ months of deposits |
| Credit too low for the bank | Options starting at 500 |
| Not enough collateral | Unsecured advances or lines |
| Tax returns show low profit | Funders that read deposits |
| Industry restrictions | Specialist or marketplace funders |
Good fit:
Probably not yet:
The rejection itself does not, but a hard inquiry from the application may appear and slightly lower your score for a time.
Yes, usually after addressing the reason, such as more time in business, better credit or added collateral.
They will not see the decision itself. They review your statements, credit and existing obligations.
It can be if you need speed and your deposits support the payment. Compare offers first and borrow only what the need requires.
SBA loans have their own criteria and are worth exploring if you can wait several weeks and meet the documentation requirements.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding