Most reputable funders check credit at some stage, often with a soft pull first. Offers that skip credit entirely still review bank statements closely.
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Almost every legitimate funder checks credit in some form. What varies is how much weight the score carries. Revenue-based funders lean on bank deposits and may use a soft inquiry, so a low score is less likely to decide the outcome.
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.
You can apply at 500; stronger credit opens more products.
Your file goes to funders that fit it, so offers can be compared.
A person reviews your revenue, time in business and bank activity, often within hours.
A human reads the file, not just an algorithm score.
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.
Offers that promise no credit check at all deserve caution. Reputable funders need to confirm identity, look for fraud and see existing obligations, and a credit report is the standard tool. What many revenue-based funders do differently is start with a soft pull, which does not affect your score, and make the decision mostly on deposits, balances and existing payments rather than on the number itself.
This is why owners with scores from 500 can still be approved for a merchant cash advance or revenue-based financing. The score still matters at the margins: better credit typically means a larger amount, a lower factor rate or a longer term. A 520 score with strong, steady deposits can beat a 680 score with erratic statements.
Some products lean on other collateral instead of credit. Invoice factoring evaluates your customers; equipment financing relies on the equipment value; secured cards use a deposit. Each has its place, but none is truly credit-blind, and each has trade-offs in cost or flexibility.
Treat a guarantee of approval without any review as a warning sign, especially if paired with an upfront fee. A legitimate process explains what is checked, when a hard inquiry might happen and how the offer is calculated. Ask those questions directly before you share documents.
Here is a deposit-driven offer where the score mattered less than revenue. 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.
| Bank / SBA loan | Heavily, often 680+ |
| Online line of credit | Significantly |
| Merchant cash advance | Lightly; deposits first, from 500 |
| Invoice factoring | Your customers matter more |
| Equipment financing | Moderate; asset offsets risk |
Good fit:
Probably not yet:
Most do, often with a soft pull first. Deposits weigh more than the score.
No. Soft inquiries are not seen by other lenders and do not lower your score.
Not always, but guaranteed approval with upfront fees is a common red flag.
Options begin at 500, and better credit generally earns better terms.
Usually closer to funding; ask the funder to tell you before it happens.
You may see them on your own report, but other lenders do not see them and they do not affect your score.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
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