The four checks
| Checked | What matters | Flexibility |
|---|---|---|
| Business bank deposits | Consistency matters more than size. Steady beats spiky. | This is the main driver of the offer |
| Time in business | Longer gives more data to size against | Newer files are read on deposits |
| Credit history | One factor among several | Scores in the 500s placed routinely; 400s read case by case |
| Existing positions | How much of daily deposits is already committed | Disclose up front, always |
Why the score is not the gate
Most funding marketing leads with a credit score because it is a simple number. It is not what decides a deposit-underwritten file. A business with a 540 score and twelve months of consistent deposits is a stronger file than a 680 score with erratic revenue and three open positions.
We do not use "bad credit" or "subprime" to describe a business. A newer or thinner credit file is a fact about the file, not a verdict on the business.
Where flexibility genuinely exists
What does rule a file out
Being straight about this saves everyone time: no operating history and no deposits leaves nothing to size an offer against, and non-profits are outside the product entirely.
Common questions
Is there a minimum credit score?
No published cutoff. Scores in the 500s are placed routinely and files in the 400s are read on revenue, deposit consistency and time in business.
Do sole proprietors qualify?
Yes. Non-profits do not, and at least 50% ownership is required to apply.
How much revenue do I need?
It scales with the amount requested rather than a fixed floor. The offer is sized against your deposits.
Does an open advance disqualify me?
No. Disclose it at the start — second and third positions are placed regularly.
See what you qualify for
Same-day decision. Applying takes a few minutes and will not affect your credit score.