Get an EIN and DUNS number, open trade accounts that report, pay early, and keep business deposits consistent. Revenue-based funding can help bridge while credit builds.
Check my optionsCredit
Business credit is a separate file from your personal score, built on how your company pays suppliers, cards and lenders. It takes months, not days, so it pays to start before you need it.
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.
Net cash, total payback and payment shown before you sign.
Advances, lines of credit and second-position options in one place.
You can apply at 500; stronger credit opens more products.
Existing balances of $100,000 or less can be bought out.
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.
The foundation is identity: a registered entity, an EIN, a business bank account, a business phone and address that match across state records and directories. Bureaus such as Dun & Bradstreet, Experian Business and Equifax Business match payment data to that identity, so inconsistent names or addresses split your history into pieces that do not help you.
Next come reporting accounts. Net-30 supplier accounts, a business credit card used lightly and paid in full, and equipment or fleet accounts can all report payments. Paying on time, or early, is what builds the profile; carrying high balances or paying late damages it the same way it would a personal score. Check that each account actually reports to a business bureau before counting on it.
Meanwhile, revenue-based funding can carry the growth you need now. Most revenue-based funders look at bank deposits first and personal credit from 500, so you do not have to wait for a mature business file. Making those payments on schedule also strengthens the bank record future lenders will review, and better credit generally earns better offers on the next round.
While business credit matures, a revenue-based offer might look like this. Illustrative numbers.
| 500–549 | Revenue-based funding; strongest deposits needed |
| 550–599 | Revenue-based funding and renewals |
| 600–649 | More funders compete; better terms |
| 650+ | Lines of credit and term loans open up |
Minimum to apply is 500. Deposits, balances and time in business still carry the most weight.
| Entity and EIN | Separate legal identity |
| Matching address and phone | Bureaus link data correctly |
| Net-30 supplier accounts | First reported payments |
| Business card paid in full | Revolving history, low use |
| On-time funding payments | Stronger bank record for renewals |
Good fit:
Probably not yet:
Usually several months of reported payments before a meaningful score appears, and a year or more for a strong file.
Not entirely. Most small-business funders still review the owner, but a strong business file can widen options.
Many supplier net-30 accounts, some business cards and equipment lenders. Confirm reporting with each one.
Yes. Revenue-based options rely mainly on deposits and accept personal credit from 500.
Many funders do not report to bureaus, but steady payments improve the bank history future lenders read.
Many do, but practices vary by issuer; confirm before relying on a card to build your business file.
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