Often yes, when deposits are steady; revenue-based funding looks past the score toward bank activity. Expect higher cost than prime credit and improve the score over time.
Check my optionsCredit
Bad personal credit narrows your options but does not close them. Funders that weigh business deposits more than personal scores can still approve, and the right moves now improve the next offer.
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.
Net cash, total payback and payment shown before you sign.
You can apply at 500; stronger credit opens more products.
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.
Banks and SBA lenders lean heavily on the owner score, so a score in the 500s usually means a decline there. Revenue-based funders and merchant cash advance providers instead start with your bank statements: average monthly deposits, how many deposits you receive, your daily balances and any existing debits. If the business brings in steady revenue, a score from 500 can still qualify, with better credit earning better offers.
What hurts more than the score itself is often what is behind it. Recent defaults on business debt, open tax liens or several active advances can stop an approval even with strong revenue. Be upfront about these on the application; funders see them anyway, and disclosed issues with a plan are handled better than surprises discovered in underwriting.
While you use revenue-based funding, work on the personal file in parallel: dispute errors, bring past-due accounts current and keep card balances below roughly a third of their limits. A few months of improvement can move you into a better tier, and on-time payments on your current funding strengthen your case for a lower-cost renewal or a line of credit later.
Here is a typical revenue-based offer for an owner with credit in the 500s. 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.
| Monthly deposits | Main driver of approval and size |
| Negative days | Fewer is much better |
| Existing advances | Each adds risk and lowers offers |
| Tax liens or recent defaults | Disclose; may need a payment plan |
| Score trend | Rising scores improve future tiers |
Good fit:
Probably not yet:
Options begin at 500. Better credit generally means a larger amount, lower cost or longer term.
Many revenue-based funders use a soft inquiry first; ask before a hard pull is made.
A strong business file helps, but most small-business funders still review the owner too.
Revenue-based funding is generally unsecured by specific assets, though a personal guarantee is common.
Make every payment on time, avoid new negative days and raise your personal score where you can.
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