A discharge is a real factor, and so is how your business runs today. We review both, starting with a soft credit pull.
Start ReviewPost-Bankruptcy Funding
Established businesses with steady deposits can apply after a discharge. Funding from $25,000 to $5,000,000 for qualified businesses, sized on deposits and 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-minute application and about three months of statements. No tax returns required.
A discharge is weighed with your rebuilt history and current deposits, not judged alone.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so you can plan with confidence.
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.
The months right after a discharge are when habits matter most. Taking on several new obligations quickly, letting the business account run to zero, or missing a payment on a new card all undercut the progress a reviewer is looking for. Keeping business and personal money separate also helps, since a clean business account makes it easy to see what the company earns on its own. If you are a sole proprietor, you can still apply, and keeping a dedicated business account is especially useful in your case. None of this is a checklist that leads to a yes, but each item gives a reviewer more reasons to see a stable business.
A bankruptcy discharge stays on your credit report and any funder will see it. It is a serious factor, and we will not pretend otherwise. But it is one factor. For an established business with steady deposits, the review also looks at what the business is doing today, starting with about three months of business bank statements.
We consider FICO 500 and up. Each file is reviewed on its whole picture, so we cannot say in advance how a discharge will land for you.
Expect a careful review and an amount sized to what your deposits support. Starting with a smaller, clear need, such as one piece of equipment or a payroll cycle, often makes more sense than a large request. Funding ranges from $25,000 to $5,000,000 for qualified businesses. If you still have open liens, see funding with a tax lien. If credit is the main hurdle, funding with a 500 credit score may help too.
For illustration: a plumbing contractor whose personal bankruptcy was discharged last year has kept the business open, shows steady deposits, and has paid every bill on time since. Their file has a story a reviewer can follow. Note the discharge date in your application, then apply. It takes about five minutes and starts with a soft credit pull.
It may be possible for an established business with steady deposits. A discharge is weighed with timing, rebuilt payment history, and current deposits. It is never reviewed in isolation.
Yes. It will appear on your credit report anyway, and noting the discharge date and cause helps a reviewer understand your file.
Funders usually consider whether it was personal or tied to a business, and whether this business was involved. Context helps.
We start with a soft credit pull, which does not work like a hard inquiry on your score.
We consider FICO 500 and up, alongside about three months of business bank statements.
Example uses for illustration only.
These steps help show a reviewer that the pattern has changed.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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