Your bank said no. We look at deposits, current obligations and credit together, with FICO 500+ considered and no tax returns required.
Get a Fresh LookAfter a Bank Denial
Banks lean on tax returns, collateral and high scores. We start with how money moves through your business account.
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.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, reviewed alongside deposits and existing obligations.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer up front, so you know the plan before you commit.
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.
Getting denied by your bank stings, especially if you have banked there for years. But a bank decline usually reflects the bank's rules, not whether your business is worth funding. Banks lean on years of tax returns, collateral, high credit scores and long underwriting. Plenty of healthy businesses fall outside that box.
We look at different things. That does not mean every bank decline becomes a yes with us, but it does mean a fresh review.
We start with about three months of business bank statements. Deposits and existing obligations carry the most weight in what we can offer. We consider FICO 500+, and credit is weighed alongside account activity rather than on its own. No tax returns are required, so paper profit does not drive the decision.
We still weigh negative balance days, returned items and current financing payments. Those can reduce an offer or make one harder to justify, and we will be clear about it.
After a denial, it is worth matching the product to the need. Ongoing cash gaps often suit working capital or a business line of credit. A specific machine fits equipment financing. Businesses with sales that swing month to month sometimes prefer revenue-based financing. Requesting the right product for the job makes for a cleaner review.
Be realistic about the amount too. Asking for exactly what the business needs, tied to a clear use, tends to go better than asking for the most you think you can get. You can browse common amounts like $100,000 working capital to get a sense of how different sizes are reviewed.
For more on this, read options after being declined by a bank. When you are ready, apply in about 5 minutes. It starts with a soft credit pull.
We review your business on its own file, focusing on deposits, obligations and credit together. Tell us about the denial if it helps explain your situation.
We work from about three months of bank statements, consider FICO 500+ and do not require tax returns.
Our application starts with a soft credit pull, so you can see options first.
Working capital, merchant cash advance, business lines of credit, equipment financing and revenue-based financing, depending on the need.
Qualified businesses can be funded in as little as 24 hours after accepting an offer.
There is no set waiting period with us. If you have three months of statements ready and a clear use of funds, you can apply.
Example uses for illustration only.
Use the bank's decline as a checklist before your next application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding