Card disputes happen. We look at their size, cause and trend alongside your deposits and credit.
Start ApplicationChargeback Businesses
Retailers, ecommerce shops and service businesses that take cards can still apply. Funding from $25,000 to $5,000,000, sized mainly on 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.
Five minutes to apply and about three months of statements. No tax returns required.
FICO 500+ considered. Disputes, deposits and credit are weighed together rather than one at a time.
Your offer states the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is spelled out in the offer, so card swings do not leave you guessing.
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.
Some businesses carry higher dispute exposure by nature. Ecommerce stores ship goods that can get lost or arrive damaged. Subscription and membership businesses, like gyms, see disputes from customers who forgot to cancel. Travel, events and ticketing deal with cancellations. Restaurants and bars occasionally get disputes from large tabs. A reviewer who sees disputes in these industries expects some, and focuses on whether yours are in line with your volume and whether you are managing them. Showing the steps you take, such as clear refund policies and prompt responses, helps your file read as well run rather than out of control.
Every business that takes cards sees disputes now and then. A customer forgets a charge, a shipment gets lost, a fraudster uses a stolen card. On your bank statements those reversals show up as debits from your processor, and a reviewer will see them. What matters is how often, how large, and whether they are trending up or down.
We do not treat chargebacks as automatic disqualifiers, and we do not treat them as nothing either. They are weighed with deposits, balances and credit, which we consider from FICO 500 and up.
A merchant cash advance is tied to card sales, so heavy dispute activity directly affects it. Working capital or revenue-based financing sized on total deposits may be a better fit if you also take ACH or cash. Our page on high card volume businesses covers card-heavy files more broadly.
For illustration: an online retailer had a run of fraud disputes in one month, then added address verification and saw them drop. Noting that fix in the application helps a reviewer read the statements correctly. When your story is ready, apply in about five minutes with three months of business bank statements and no tax returns.
Not automatically. Funders weigh how often they happen, their size compared with sales, their cause, and whether they are improving.
We start with about three months of business bank statements. If processor details would explain a reserve or a dispute spike, mention it.
It can be harder because it ties to card sales. Working capital or revenue-based financing based on total deposits may fit better.
Tell us in the application. A reserve changes what reaches your account, and a reviewer will want to understand it.
Qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
Cutting disputes before you apply makes your statements read cleaner.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding