Your deposits show what the business does today. Built for established businesses doing $60K+ a month whose credit is still catching up.
Show my revenueResource
Revenue-based funding weighs current deposits alongside credit, and you can apply now 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.
About three months of statements, no tax returns, a 5-minute application, and funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered and you start with a soft pull, while steady deposits carry real weight.
Your offer lists the full repayment amount before you accept, with no surprise costs after you sign.
Repayment is laid out in the offer up front, so you can match it to your revenue rhythm.
A credit score answers: how has this person handled past debts? Bank deposits answer: how much money does this business bring in, and how steadily? Traditional bank loans lean heavily on the first question. Revenue-based funding, such as working capital and merchant cash advances, leans heavily on the second.
That is why the program offered through our partner Merchant Fund Express considers FICO scores from 500 and is built for established businesses doing $60K or more a month.
For illustration only. Compare two hypothetical files:
| Owner A | Owner B | |
|---|---|---|
| FICO | 720 | 560 |
| Average monthly deposits | $38,000 | $150,000 |
| Deposit pattern | Uneven | Steady over 3 months |
| Existing advances | Two | None |
For revenue-based funding, Owner B's file often reads stronger, despite the lower score, because the deposits show clear capacity to repay. Every file is reviewed individually, and an offer depends on the full picture.
These habits also make the review faster.
Credit and capital do not have to happen in sequence. You can apply for funding based on revenue now and, separately, work on personal credit or build business credit for the future. Credit repair through TrueCredit Partners is a separate service; it is not required for funding and does not decide approval. Funding, in turn, does not change your credit score. Our business credit guide covers the building side.
Strong deposits carry real weight, but they are not the whole story. Reviewers still notice a heavy load of existing advances, frequent overdrafts, or a sharp recent decline in sales. A high-revenue account that is already committed to several other obligations may support less new capital than its top line suggests. The practical takeaway: keep the account clean, keep obligations manageable, and request an amount sized to a specific plan rather than the maximum.
A 5-minute application, a soft credit pull, and about three months of business bank statements. No tax returns. Amounts range from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. See bad credit business funding for product options, or apply now.
For revenue-based funding, steady deposits carry significant weight, and FICO from 500 is considered. Each file is still reviewed on its full picture.
Scores from 500 are considered. Below that, options through this program are limited.
You do not need to. Credit repair is separate, and many owners apply based on revenue while working on credit independently.
A soft pull does not affect your credit score.
Example uses for illustration only.
If revenue is your strongest card, make sure the statements show it clearly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding