Guide
There is no product here for a business under six months old, at any credit score.
✓ Checking what you qualify for does not affect your credit score.
Every product on this site underwrites bank statements. A business with no trading history has nothing to underwrite, and no score compensates for that.
Revenue-based funding opens at 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Personal savings, an SBA microloan through an intermediary, a CDFI, equipment financing secured on the asset itself, or a business credit card scored on personal credit.
Each has a real cost. A card at 24% on $15,000 carried for a year is not cheap money, it is just available money.
8+ deposits a month, an average daily balance of $5,000 or 10% of monthly revenue, and few negative days. That file funds at six months regardless of score.
Not here. Six months in business is the floor.
It does not substitute for trading history on these products.
Build deposit consistency. It is what gets read at month six.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
