Collections on your personal credit do not erase what your business deposits show. Apply in about 5 minutes with a soft pull and see real offers.
Check My OptionsCredit Challenges
We consider FICO 500+ and review your business bank activity alongside your credit report, so a past collection is one factor rather than the final word.
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 5-minute application and about three months of business bank statements. Qualified businesses can be funded in as little as 24 hours.
Collections are reviewed in context: age, type and pattern, next to the strength of your deposits.
Your offer lists the full repayment amount before you accept, with no surprise costs added after you sign.
The payment schedule is laid out in your offer up front, so you know what leaves the account and when.
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 medical bill that went to collections, an old phone contract, a credit card you stopped paying during a rough year. Plenty of owners carry a collection or two on their personal report while the business itself runs clean. When you apply with Merchant Fund Express, we start with the business: your deposits, how steady they are, and what the account looks like day to day.
Your personal credit still matters. We consider FICO scores from 500 and up, and collections are part of the picture a funder sees. They are just not the whole picture.
Not every collection reads the same way. Funders tend to look at a few things:
None of this produces an automatic yes or no. It sits next to your bank activity, your time in business, and your existing obligations.
The application takes about 5 minutes and starts with a soft credit pull, so checking your options does not add a hard inquiry at that stage. We ask for roughly three months of business bank statements. No tax returns are required. Sole proprietors can apply too, and if that is you, our page on funding for sole proprietors covers the details.
Depending on your deposits, you may see offers for working capital, a merchant cash advance tied to future sales, a business line of credit, equipment financing, or revenue-based financing. Funding runs from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Every offer shows the full repayment amount and schedule before you accept.
If your score is also on the lower end, see funding with a 500 credit score. When you are ready, start your application.
It can affect an offer, but it is weighed alongside your deposits, time in business, and current obligations. We look at the full file rather than treating one item as the deciding factor.
That is your call. Resolving it can help your personal credit over time, but you do not have to wait to see what your business qualifies for today. Paying it with money the business needs for operations may not be the best trade.
We start with a soft credit pull, which does not count as a hard inquiry on your report.
Funders often view medical collections differently from unpaid credit or business debts, but every review is case by case. Be upfront about what is on your report so the file reads clearly.
About three months of business bank statements and a short application. No tax returns are required.
Example uses for illustration only.
A few steps can make your file read more clearly to any funder.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding