Your score is one input next to your deposits. Built for established businesses doing $60K+ a month whose credit is still being built.
Check my optionsQualifying for Funding
A business line of credit through our partner, Merchant Fund Express, starts with a soft pull and looks at your revenue alongside credit.
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.
Scores from 500 up are considered. Revenue and deposit consistency carry real weight in the decision.
Checking your options begins with a soft credit pull, so you can see where you stand before going further.
About 3 months of statements and a 5-minute application; no tax returns. Qualified files can fund in as little as 24 hours.
Your offer shows the full repayment amount up front and lays out the schedule. No surprise costs after you sign.
Through our partner Merchant Fund Express, FICO scores from 500 are considered for a business line of credit. That is a starting point for review, not a promise of a limit or an offer. Many providers publish no single cutoff because the score is read in context with revenue, deposit consistency, and what you already owe.
Owners building business credit often track two files:
For many established small businesses the personal score still carries weight, especially when business credit is thin. Our business credit guide covers building the second file as you scale.
A line is reusable, so funders want to see that cash flow can support repeated draws. Expect them to look at:
For a deeper look, read how revenue offsets credit.
For illustration only: Owner A has a 690 FICO, $65,000 in monthly deposits that swing widely, and three existing advances. Owner B has a 560 FICO, steady $180,000 monthly deposits, and no other obligations. Owner B's file may well read stronger for a line, because the cash flow story is clear. A higher score does not override an overloaded account, and a lower score does not erase strong deposits.
Credit repair and funding are separate services. You do not need to finish one to apply for the other, and funding does not change your score. Owners doing $60K or more a month can apply based on revenue now while working on credit separately.
The application takes about 5 minutes and starts with a soft credit pull, so checking your options does not begin with a hard inquiry. Bring about three months of bank statements; no tax returns needed. Apply here or compare first on line of credit vs MCA.
FICO 500+ is considered. It is the point where review begins, and the rest of the file shapes the outcome.
The process starts with a soft credit pull. Ask about any later steps when you review an offer.
Often both, with personal credit carrying more weight when business credit is still thin.
Funding is not a credit improvement service. A provider that reports to business bureaus may add payment history, so ask before signing.
Yes. Sole proprietors can apply, and the review looks at the same things: deposits, balances, existing obligations, and credit.
Decisions move fast. Funding can arrive in as little as 24 hours for qualified businesses, depending on how complete your file is.
Example uses for illustration only.
While you work on credit separately, these steps strengthen the rest of your file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding