With a 500 credit score, the most realistic funding comes from revenue-based funders that weigh deposits heavily and state a minimum around 500. The best option among them is the one with clear written terms, a payment that fits your slowest week and no upfront fees.
Check my optionsFinancing options
A 500 score narrows the field to providers that underwrite primarily on business performance. Within that group, the differences that matter are minimum requirements, structure, cost and how the provider treats you if sales slow.
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.
Your file goes to funders that fit it, so offers can be compared.
A human reads the file, not just an algorithm score.
A person reviews your revenue, time in business and bank activity, often within hours.
Net cash, total payback and payment shown before you sign.
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.
Provider details summarize each company’s public website, checked October 2026. Terms change; confirm directly.
Confirm the floor. Some revenue-based funders state a minimum score around 500; MFE considers scores from 500. Banks, SBA lenders and most line-of-credit providers typically require higher scores, so applying there mainly adds inquiries.
Lead with deposits. With a score near the floor, steady monthly deposits, several deposits per month, healthy daily balances and few negative days carry the file. Clean statements for the last few months make a bigger difference than any explanation of the score.
Expect and verify the price of flexibility. Offers at this level usually come with smaller amounts, higher factors or shorter terms. Compare total remittance divided by net proceeds across at least two offers and ask about early-payoff discounts.
Prefer structures that forgive slow weeks. Weekly payments, percentage-of-sales holdbacks and reconciliation clauses reduce the risk of returned payments, which would further damage your profile.
Use the funding to climb. On-time payments, positive balances, lower card utilization and disputed report errors can raise your score over months, which tends to improve renewal terms or open lines of credit later.
Our list below summarizes each company from its own public website; confirm current minimums directly before applying.
Owners near the 500 floor should also be cautious about the number of applications. Several separate applications in a short period can add hard inquiries and lower the score further. One complete application through a marketplace reaches multiple funders without repeating that cost.
Here is an offer for a 500-score owner with steady deposits. Illustrative numbers.
| Amount funded | $40,000 |
| Factor rate | 1.25 |
| Total payback (amount × factor) | $50,000 |
| Fees deducted at funding (5%) | $2,000 |
| Net cash you receive | $38,000 |
| Weekly payment over 32 weeks | $1,562 |
| Same total as daily debits (~160 business days) | $312/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Realistic providers | Revenue-based funders with ~500 floors |
| What carries the file | Deposits, balances, few negative days |
| Price of flexibility | Smaller amount, higher factor, shorter term |
| Safer structure | Weekly, percentage or reconcilable |
| Next step | Rebuild credit for better terms |
Good fit:
Probably not yet:
Yes, from revenue-based funders that consider scores from around 500.
Steady deposits and clean statements.
Usually; compare total remittance divided by net proceeds.
Usually not at this score; it mainly adds inquiries.
Pay on time, keep balances positive and raise your score.
From each company public website, checked October 2026.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
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