Merchant cash advances and revenue-based funding are the most common, since approval leans on deposits. Lines of credit and term loans usually need stronger scores.
Check my optionsCredit
Some products are built around business performance rather than the owner score. Knowing which ones look past bad credit, and what each costs, keeps you from wasting applications on lenders that will decline.
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.
Existing balances of $100,000 or less can be bought out.
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.
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.
Merchant cash advances and revenue-based financing are the most accessible because approval is driven by bank deposits; MFE considers scores from 500 for these. Invoice factoring looks mainly at the creditworthiness of your customers, so a B2B business with reliable clients can qualify even if the owner score is low. Equipment financing uses the equipment as collateral, which lowers the lender risk and can offset a weaker score.
Products that usually do not approve bad credit include bank term loans, SBA loans and most unsecured business credit cards. Applying to them anyway adds hard inquiries without much chance of success. A better sequence is to secure the accessible product first, use it well and then return to the cheaper products once your score and history have improved.
Accessible does not mean the same cost. Revenue-based products cost more than bank loans and have more frequent payments, so the amount should be sized to what your weekly cash flow can carry comfortably. Ask for the total payback in dollars, compare more than one offer and check whether early payoff reduces the cost.
Approval is also more likely when the request is modest relative to deposits. A business depositing $40,000 a month that asks for $15,000 for a specific inventory purchase presents a far easier decision than one asking for $60,000 with no stated use. Starting smaller, paying on time and renewing is a common route from bad credit to better terms.
Here is an example of a bad-credit-friendly offer sized to deposits. 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.
| Merchant cash advance | Approves from 500 on deposits |
| Revenue-based financing | Deposit-driven, credit secondary |
| Invoice factoring | Customer credit matters most |
| Equipment financing | Collateral offsets weaker score |
| Bank or SBA loan | Usually needs stronger credit |
Good fit:
Probably not yet:
Revenue-based options such as merchant cash advances, because deposits drive approval.
Yes, because the factor relies mainly on your customers paying their invoices.
Usually not for revenue-based products, though a personal guarantee from the owner is common.
It varies widely by funder and profile. Always compare the total payback in dollars.
Yes. On-time payments and a rising score open better products at renewal.
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