FICO 500+ is considered. If you run an established business doing $60K+ a month, your deposits tell the bigger story.
Run a soft pullBad Credit Business Funding
Apply now based on revenue through our partner, Merchant Fund Express, and keep working on your credit as a separate project.
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.
Qualified businesses can be funded in as little as 24 hours. Apply in 5 minutes with about 3 months of statements.
You start with a soft credit pull. Steady monthly deposits carry real weight next to your score.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
Your schedule is laid out in the offer up front, so you can plan around it while you rebuild.
Many owners we meet took a credit hit during an earlier chapter: a commercial lease they signed personally that went sideways, medical bills, a partnership that ended badly, the early years when everything ran on personal cards. The business moved forward. The score lagged behind.
Bad credit business funding through our partner Merchant Fund Express looks at where the business is now. FICO 500+ is considered, and the review leans on your recent revenue.
Read more in what funders look at and how revenue offsets credit.
We are a credit company, so we want to be clear. Credit repair and funding are separate services. You do not need credit repair to apply for funding. Taking funding will not raise your score. And repairing credit does not lock in any funding outcome. What you can do is apply now based on revenue, and, if you choose, work on credit on its own schedule. Our business credit guide covers that longer path.
| Owner A | Owner B | |
|---|---|---|
| Personal score | Around 720 | Around 560 |
| Monthly deposits | $35,000, uneven | $95,000, steady |
| Takeaway | Score is fine, revenue is thin | Score is bruised, revenue is strong |
For illustration only. In a revenue-based review, Owner B's file often reads as the more established business, even with the lower score.
All four products are available to review with FICO 500+: working capital, merchant cash advance, business line of credit, and equipment financing. Amounts range from $25,000 to $5,000,000. On a deadline? See fast funding with bad credit.
The 5-minute application starts with a soft credit pull, so checking your options does not add a hard inquiry at the outset. No tax returns are required, sole proprietors can apply, and qualified businesses can be funded in as little as 24 hours.
FICO 500+ is considered. Revenue and bank activity carry a lot of weight in the review.
No. Credit repair and funding are separate services, and you can apply based on your revenue now.
The process starts with a soft credit pull.
Every file is reviewed on its own. Share your situation honestly in the application so the review reflects the full picture.
Requests range from $25,000 to $5,000,000. The amount offered depends mostly on your revenue pattern and existing obligations, not on your score alone.
Funding is provided through our partner, Merchant Fund Express.
Example uses for illustration only.
When credit is bruised, a clean bank history matters even more.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding