A soft quarter shows up in your statements. We read it with context, not just totals.
See My OptionsSlow Quarter Funding
Tell us what slowed things down and what has changed. Funding from $25,000 to $5,000,000, sized mainly on recent deposits and existing obligations.
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.
About five minutes and three months of statements. No tax returns required, so you skip the paperwork chase.
FICO 500+ considered. Your recovery trend and balances matter alongside your score.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is set out in the offer, so you can test it against the quarter ahead.
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.
Here is the honest part. We review about three months of business bank statements, so a soft quarter is exactly what we will be looking at. That does not end the conversation, but it does shape it. A lower deposit total usually means a smaller offer, and a reviewer will want to know whether the dip is behind you or still going.
Funders weigh a few signals together:
No single factor decides it. The full picture does.
The amount depends mainly on deposits and what you already owe, so asking for what the business needs now, rather than what it could have supported last year, keeps the offer realistic. For illustration: a landscaping company with a wet spring may need $40,000 for payroll and fuel until jobs pick back up, not $150,000 for a new truck. If your slow quarter follows the calendar every year, read funding with seasonal revenue.
Slow quarters usually have an ordinary explanation. A key customer paused orders. Road construction blocked the storefront. A storm, a long illness, or a staffing gap cut capacity for a few weeks. A big project ended before the next one started. Reviewers see these patterns often, and a clear, specific cause reads very differently from a vague one. If the cause is fixed, say how. If it is ongoing, say what you are doing about it. That honesty helps the offer match where the business is heading.
Add a short note on what caused the slowdown and what has changed since. Signed contracts, a reopened location, or a busy season starting are all worth mentioning. Then apply in about five minutes. We start with a soft credit pull, consider FICO 500 and up, and fund qualified businesses in as little as 24 hours.
It is possible. A funder weighs the dip against its cause, the trend in recent weeks, your balances, and existing obligations. A softer quarter often means a smaller offer.
If recovery is weeks away and the need can wait, waiting may support a larger amount. If the need is now, apply and size the request to the current quarter.
They are weighed together. Recent deposits drive the amount, while credit is one of several factors. We consider FICO 500 and up.
The cause of the slowdown and what has changed: replaced contracts, reopened doors, booked work, or a busy season starting.
No tax returns are required. If last year was stronger, a short note in your application is enough context.
Example uses for illustration only.
These moves help a reviewer see the slowdown is temporary.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding