500 is the start of our range. At this level your bank deposits carry the file, and we review them closely.
Check My FileQualifying with a 500 score
With a 500 score, steady deposits, a clean account and manageable existing payments are what make an offer possible.
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 three months of statements and no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposits and account health weigh heavily.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is spelled out in the offer up front.
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.
We consider FICO 500 and up. That means a 500 score gets reviewed, but it also means there is not much room below it, so the rest of your file has to carry more weight. Being direct about that up front saves everyone time.
When credit is at the bottom of the range, the business account does most of the talking:
None of these is a checkbox. A funder reads them together. You can learn more on funding with high revenue and low credit.
At 500, offers tend to be more conservative on amount and structure. That is not a bad thing if the payment fits. Before you accept anything, look at the full repayment amount and the schedule in the offer, and check the payment against your slowest month. If the numbers do not work, it is fine to wait and reapply after a few clean months.
Merchant cash advance and working capital are the most common starting points at this range because they lean on deposit history. Equipment financing, revenue-based financing and a business line of credit are also reviewed. See the full comparison at best business loans for a 500 credit score.
A cleaning company owner has a 500 FICO after a past business closed. The current company deposits steadily every week, keeps a small cushion, and has no other advances open. That is the kind of file where a 500 score can still lead to an offer, because the business account is doing the work. A 500 score with heavy existing payments and frequent overdrafts is much harder to fund.
If your account is not there yet, a few clean months can change that.
A soft credit pull starts the process. Five minutes, no tax returns. Apply here.
You can apply. 500 is the lowest score we consider, so strong, steady deposits and a clean account matter a lot.
Our range starts at FICO 500. If you are just under, working on the score for a few months and reapplying may make sense.
Often offers are more conservative at this level. The amount mainly depends on your deposits and existing obligations.
We start with a soft credit pull, so checking your options does not add a hard inquiry.
Yes. Sole proprietors can apply.
There is no fixed rule. A few months of steady deposits, no negative days and current accounts usually make a fresh review worthwhile.
Example uses for illustration only.
At 500, a few months of discipline can change the picture.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding