Your score tells part of the story. Your bank statements tell the rest. FICO 500+ considered, soft pull to start.
See Where I StandQualifying with a 550 score
At 550, we look closely at your deposits, your account health and what is already being repaid, then shape an offer around that.
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, three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
A 550 score is in range. Your recent deposits carry a lot of the weight.
Your offer lists the total repayment amount before you accept. No surprise costs later.
The schedule is in the offer up front so you can test it against your cash flow.
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.
A 550 score usually traces back to something specific: a rough year, medical bills, a business that went sideways before this one, or a few accounts that went to collections. It does not say much about how your business is running today. That is why our review leans on your bank statements, with credit as one part of the file. FICO 500+ is considered.
Funders look at what pulled the score down and how recent it is. Old charge-offs and recent late payments are not read the same way. Open collections, especially recent ones, get attention. If that applies, see funding with personal collections.
About three months of deposits show whether revenue is steady. Negative days and returned items also count. A 550 score paired with consistent deposits and a clean account gives a funder more to work with.
Existing payments, including other advances, shape how much room is left.
A lower score can affect the amount, the product and how payments are structured. Shorter, smaller starting amounts are common at this range. Whatever is offered, you will see the full repayment amount and schedule before you accept. Compare product options on our best business loans for a 550 credit score page.
A restaurant owner went through a divorce and fell behind on a few cards, pulling their score to around 550. The restaurant itself has steady weekly deposits and rarely runs negative. That file is about a personal setback, and the business data shows it. Compare that to a 550 score paired with shrinking deposits and frequent overdrafts. Same number, very different read. We review both, but the first gives a funder much more confidence.
If there is context behind your score, share it when you apply.
We start with a soft credit pull, so looking costs you nothing on your report. Five minutes to apply, no tax returns. Apply now and see where you stand.
You can apply. We consider FICO 500+, and at 550 your deposit history and account health play a big part in the review.
It varies, but recent negative items, open collections, frequent negative balance days and heavy existing payments all draw attention.
Not necessarily. We also review working capital, lines of credit, equipment financing and revenue-based financing. The fit depends on the whole file.
No. We start with a soft credit pull.
Amounts are driven mainly by your deposits and existing obligations. Our range runs from $25,000 to $5,000,000.
It depends. If your deposits are strong now, applying may make sense. If you are close to fixing a specific issue, a few months can help.
Example uses for illustration only.
These steps can make a 550 file stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding