No LLC needed to apply. We review your business deposits and credit, not your entity type. Five minutes, no tax returns.
Apply as a Sole PropFunding for sole proprietors
Solo operators are reviewed on deposits, account health and credit. A clean business bank account makes the file easy to read.
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-minute application, about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
Your personal credit is your business credit here. FICO 500+ is considered.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out in the offer so you can plan around it.
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.
Plenty of solid businesses never bother with an LLC or corporation. Contractors, stylists, consultants, food vendors, cleaners and shop owners often run as sole proprietors for years. Sole proprietors can apply with us, and we review them on the same core things we look at for anyone: deposits, account health and credit.
No tax returns are required, which helps when your Schedule C does not reflect how the business is running today.
The most common snag we see with sole proprietors is personal and business money mixed together in one account. That makes it hard for any funder to tell what the business brings in. If you can, open a business account and run all sales through it. If you work on 1099s, our page on funding for 1099 contractors with a business account covers that setup.
A mobile mechanic has worked as a sole proprietor for three years. For the last several months, every job has been paid into a separate business checking account, and deposits have been steady. That file is easy to review even without an LLC or tax returns. Another mechanic with the same income, but running everything through a personal account mixed with groceries and rent, would be much harder for any funder to read.
The entity type matters far less than a clean, consistent business account.
We review working capital, merchant cash advances, a business line of credit, equipment financing and revenue-based financing. Funding ranges from $25,000 to $5,000,000, and the amount depends mainly on deposits and existing obligations. Every offer shows the full repayment amount and schedule before you accept.
Apply in about five minutes with a soft credit pull to start.
Yes, sole proprietors can apply. We review deposits, account health and credit, the same as any other business.
An LLC is not required to apply. Running revenue through a dedicated business bank account makes the review much clearer.
Yes. For a sole proprietor, personal credit is part of the file. FICO 500+ is considered, and we start with a soft pull.
No. We mainly review about three months of business bank statements.
Mixed accounts are harder to review. Moving sales into a separate business account for a few months usually helps.
Not because of the entity type. The amount depends mainly on your deposits and existing obligations.
Example uses for illustration only.
Sole proprietors can make their file easier to review with a few steps.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding