Money moves fast through your account? We look at your deposits and patterns, not just the balance at the end of the day.
See My OfferQualifying with a lean balance
A low balance is one data point. Your deposit volume, consistency and existing payments round out the picture.
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.
Apply in about five minutes with three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Your deposits carry real weight in the review.
The full repayment amount is in your offer before you accept, and nothing gets added after you sign.
Your repayment schedule is laid out up front so you can check it against how cash moves.
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 healthy businesses move money in and out fast. Deposits land, suppliers and payroll go out, and the balance sits low most of the month. On paper that can look like trouble, even when sales are fine. Funders know this, so they look past the single number and at the pattern.
Your average daily balance is a rough gauge of cushion. A low one tells a funder that a fixed payment could squeeze you. They usually read it alongside:
A lean balance with strong, regular deposits is read very differently from a lean balance with shrinking sales.
Because cushion matters, a low balance more often shapes the amount and payment structure than the yes or no itself. A smaller starting amount or a payment schedule matched to how money moves through your account are common outcomes. We would rather offer something you can carry than something that overdraws you in week two.
Leaving a bit more in the account for a few weeks, routing all card and cash sales into one business account, and timing big supplier payments after deposits clear can all lift the average. Even a modest change over the statement period can show up.
Two shops each deposit a similar amount per month. One keeps a modest floor in the account and rarely dips negative. The other drains to near zero every week and overdrafts twice a month. The deposits match, but the second account has far less room for a new payment. Funders notice the difference, and so do we. The goal is not a big balance, just a steady one that shows a payment can clear.
The application takes about five minutes and starts with a soft credit pull. We review about three months of business bank statements, no tax returns. FICO 500+ is considered. Apply here and we will show you what your deposits support.
There is no single cutoff. Funders compare your balance to your deposits and to the payment an offer would create, so the same balance can look different for two businesses.
It can be part of an approved file. Steady deposits, few negative days and manageable existing payments all help offset a thin cushion.
It can. Cushion is one of the things that shapes how large a payment your account can carry.
A one-time transfer is easy to spot. A steadier balance over several weeks tells a clearer story than a last-minute deposit.
About three months of business bank statements and a short application. No tax returns.
They can make the balance look lower on certain days. If you have processor holds or delayed settlements, mention it in your application so the statements are read correctly.
Example uses for illustration only.
These habits can raise your average balance before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding