Business financing keeps business debt separate, builds business history and protects personal credit utilization. Personal cards are fine for small, short gaps only.
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Personal cards and loans are easy to reach for, but mixing them into the business blurs your books, puts personal credit at risk and can cost more than business options built for the purpose.
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.
Approved files are usually funded the next business day.
Existing balances of $100,000 or less can be bought out.
Advances, lines of credit and second-position options in one place.
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.
Personal credit is tempting because it is already available. The problem is what it does to your profile: business spending on personal cards raises your utilization, which can lower your personal score precisely when a business funder is about to check it. It also hides the real cost of running the business and makes taxes and bookkeeping harder.
Business financing is underwritten on the business. Revenue-based products look at business deposits, lines of credit grow with revenue, and equipment financing is secured by the asset. Payments come from the business account and, on many products, build a track record that supports larger amounts later. Most still involve a personal guarantee, but the debt and the cash flow stay in the business.
Personal credit can make sense in narrow cases: a very small, short-term purchase you can pay off within the month, or a brand-new business with no deposits yet. Beyond that, the extra interest and score damage usually outweigh the convenience. If you already carry business costs on personal cards, business funding can be used to clear them and move the expense back where it belongs.
Whatever you choose, keep a written record of what each account paid for. Clean separation is what makes the next application faster and makes the business look like what it is: a separate, functioning company.
Here is a business-funded alternative to carrying costs on personal cards. 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.
| Underwriting | Owner score vs. business deposits |
| Impact on personal score | Raises utilization vs. limited |
| Bookkeeping | Mixed vs. separate |
| Growth of limits | Personal income vs. business revenue |
| Best use | Tiny short purchases vs. operations and growth |
Good fit:
Probably not yet:
It can, by raising utilization and adding balances that a business funder will see.
No. A guarantee is a promise to repay if the business cannot; the debt itself sits with the business.
Often yes, if the use is business-related and disclosed accurately.
For very small purchases you will pay off quickly, or before the business has any deposits.
Many revenue-based products do not report to personal bureaus, but terms vary by funder.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding