Qualifying
Four things get checked. Only one of them is a hard number, and it is not the credit score.
✓ Checking what you qualify for does not affect your credit score.
| 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; 500 is the minimum |
| Existing positions | How much of daily deposits is already committed | Disclose up front, always |
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.
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.
The minimum FICO is 500. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business.
Yes. Non-profits do not, and at least 50% ownership is required to apply.
It scales with the amount requested rather than a fixed floor. The offer is sized against your deposits.
No. Disclose it at the start — second and third positions are placed regularly.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
