Often, yes. With a 500+ score, steady deposits, healthy balances and few negative days can carry a file; stronger credit still earns better terms.
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For revenue-based funding, deposits often matter more than the credit score. With a score of at least 500, steady deposits, healthy balances and few negative days can carry an application that a bank would decline, though stronger credit still earns better terms.
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.
Net cash, total payback and payment shown before you sign.
A person reviews your revenue, time in business and bank activity, often within hours.
You can apply at 500; stronger credit opens more products.
Your file goes to funders that fit it, so offers can be compared.
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.
Underwriters read the bank account as evidence of repayment ability. Consistent monthly deposits, a good number of deposits rather than a few large ones, and an average daily balance that stays well above zero show the business can absorb a new payment. Those signals can offset a score in the 500s, because they speak directly to the cash that will make the payments.
Credit still matters, in two ways. First, there is usually a floor; MFE considers scores from 500. Second, credit affects pricing and structure: a higher score generally improves the amount offered, the factor rate and the term. A file with strong deposits and a 520 score may be approved but at less favorable terms than the same deposits with a 650 score.
What weighs more than the score itself is recent history. A recent default on another business advance, open tax liens or multiple recent late payments can block approval even with strong deposits. If these exist, documentation such as a settlement letter or an IRS payment plan in good standing helps.
Strengthen the deposit picture before applying. Route all revenue through the business account, avoid negative days for at least a month or two, avoid large unexplained transfers and disclose existing obligations. Apply after your strongest months rather than during a slow stretch.
Use the funding to improve your credit position over time. On-time payments, lower card balances and disputed errors can lift your score, opening better terms on renewal or a move to a line of credit.
MFE reaches multiple funders with one application, which helps because funders weigh credit and deposits differently.
Here is an offer where deposits outweighed a score in the 500s. Illustrative numbers.
| 500–549 | Revenue-based funding; strongest deposits needed |
| 550–599 | Revenue-based funding and renewals |
| 600–649 | More funders compete; better terms |
| 650+ | Lines of credit and term loans open up |
Minimum to apply is 500. Deposits, balances and time in business still carry the most weight.
| Steady monthly deposits | Strong positive |
| Many deposits per month | Diversified revenue |
| Healthy average balance | Cushion for payments |
| Score in the 500s | Approvable from 500; terms reflect it |
| Recent defaults or liens | Can outweigh deposits |
Good fit:
Probably not yet:
Often, yes, for revenue-based funding with scores from 500.
Yes, it generally improves amount, cost and term.
Recent defaults, tax liens or multiple recent late payments.
Deposit all revenue, avoid negative days and disclose obligations.
After your strongest months.
On-time payments and lower card balances can improve your profile over time.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
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