Strong deposits get real weight here. FICO 500+ considered, soft pull to start, no tax returns required.
Check EligibilityHigh Revenue, Low Credit
We read about three months of business bank statements alongside your credit. Funding from $25,000 to $5,000,000 for qualified businesses, in as little as 24 hours.
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.
A short application and recent statements. No tax returns, so you can move while the need is current.
Your score is one input. Revenue, balances and existing payments are weighed right next to it.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
The offer lays out your repayment schedule up front, so you know exactly what leaves the account.
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.
Traditional lenders often use a credit score cutoff early in the process, sometimes before anyone looks at the bank account. That is why owners with strong sales get turned away on a score alone. A deposit-based review flips the order: the statements come first, then credit is weighed with them. It does not mean credit stops mattering. Recent missed payments, open judgments, or a falling score still count. But if your low score traces back to an old personal event and your business has paid everything on time since, the review has room to reflect that. See funding after a bank loan denial if a bank already passed.
Plenty of owners run healthy businesses on top of a credit history that took a hit years ago: medical bills, a divorce, a failed first venture. Banks tend to stop at the score. We start with about three months of business bank statements and consider credit from a FICO of 500 and up, so strong deposits get their say.
Think of it as two questions. Deposits answer whether the business can carry a payment. Credit history speaks to how past obligations were handled. A funder looks at both, plus:
High revenue does not erase a low score, but it often changes what is possible. See funding with a 500 credit score and 600 credit score for score-specific detail.
Revenue-based financing, merchant cash advance and working capital are typically sized from deposits, which suits this profile. Equipment financing can work too, since the equipment itself is part of the picture. Amounts range from $25,000 to $5,000,000, and depend mainly on deposits and existing obligations.
A roofing company deposits steady six-figure months and carries one equipment payment. The owner's score sits in the 500s from an old collection. Their statements show consistent income and a healthy balance. A reviewer will weigh that strength against the credit history, and the offer will reflect both. When you are ready, apply here. It starts with a soft credit pull and takes about five minutes.
It often carries real weight. Funders review deposits and credit together, so strong, steady revenue can change what is possible, though the offer reflects both.
We consider FICO 500 and up.
We start with a soft credit pull, which does not work like a hard inquiry on your score.
Funders generally look at whether problems are old and settled or recent. Recent, ongoing issues tend to weigh more.
No. About three months of business bank statements show your revenue. Tax returns are not required.
Example uses for illustration only.
While revenue does the heavy lifting, these steps can help the credit side.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding