Business credit takes time. Established businesses doing $60K+ a month can apply for funding on revenue now while building credit separately.
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Building business credit and getting funded are separate tracks, and funding is available through our partner, Merchant Fund Express.
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 with about three months of statements, no tax returns and a 5-minute application.
FICO 500+ is considered, a soft pull starts the process, and revenue carries weight while credit builds.
The full repayment amount is shown in your offer before you accept, and nothing surprises you after.
Repayment is laid out in your offer up front, so it fits into the same on-time habits you are building.
Personal credit follows you as an individual through your Social Security number. Business credit follows your company through its EIN and its own credit files with business reporting agencies. Separating the two protects your personal profile and gives the business its own track record over time. Note that many owners, especially sole proprietors, will see personal credit considered in funding reviews for years; building business credit is a long game.
A practical sequence, for illustration, that many owners follow:
| Months | Focus |
|---|---|
| 1 to 2 | Formal entity, EIN, business bank account, consistent business address and listing |
| 2 to 4 | Open vendor accounts that report payments to business credit agencies |
| 4 to 8 | Pay early or on time every cycle; add a business credit card |
| 8 to 12 | Review your business credit reports and correct errors |
Building business credit takes time, and opportunities do not wait. Owners doing $60K or more a month can apply for funding based on revenue while their credit is still developing. Through our partner Merchant Fund Express, options include working capital, merchant cash advances, lines of credit and equipment financing, from $25,000 to $5,000,000. FICO from 500 is considered. Funding is separate from your credit work and should not be expected to change any score.
Business credit agencies each keep their own files, and their scores are calculated differently from personal FICO scores. Most weigh how promptly you pay vendors, how much credit you are using, how long accounts have been open, and any public records such as liens or judgments. Pull your reports at least a couple of times a year, confirm your company name, address and industry code are correct, and look for accounts that do not belong to you. Catching an error early is far easier than untangling it right before a big financing decision.
Our credit repair service focuses on reviewing and disputing inaccurate items on credit reports. It is separate from funding: not required to apply, not a factor in a funding decision. If you want capital now, start the 5-minute application. To understand how reviewers weigh revenue, read how revenue offsets credit.
It varies, but expect many months of on-time payments across several reporting accounts before a profile looks established.
Yes, by getting an EIN, using a business bank account, and opening accounts that report in the business name. Sole proprietors can also apply for funding.
Do not count on it. Treat funding and credit building as separate tracks.
No. Reviews focus heavily on revenue, and FICO from 500 is considered.
Separate the business: formal entity or registered name, an EIN, and a dedicated business bank account.
Example uses for illustration only.
The same discipline that builds business credit also makes a funding file cleaner.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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