Deposits, balances, NSFs and revenue trend. Established businesses doing $60K+ a month can review these first, then apply with confidence.
Review my fileResource
A funder weighs deposits, balances and history together, and you can see your own numbers reviewed 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.
With about three months of statements and a 5-minute application, qualified businesses can be funded in as little as 24 hours. No tax returns.
FICO 500+ is considered. A soft pull starts the review, and deposit strength carries weight next to the score.
The full repayment amount appears in your offer before you accept. No surprise costs after you sign.
Your schedule is laid out up front, so you can run it against your average balance first.
A funding reviewer has one core question: can this business comfortably handle repayment while it keeps operating? Everything they look at feeds that answer. Credit history is part of it, but for revenue-based products, your bank statements carry most of the weight. That is why established businesses doing $60K or more a month can be considered with FICO scores from 500.
Total true revenue coming in, excluding transfers between your own accounts.
Three steady months read better than one huge month and two thin ones.
Whether the account keeps a cushion or regularly drops near zero.
Frequent overdrafts suggest cash flow is already stretched.
Other advances, loans or large recurring withdrawals already competing for the same deposits.
Pull your last three months of business bank statements and fill in this table, for illustration shown with sample numbers:
| Month | Deposits | Lowest balance | Overdrafts |
|---|---|---|---|
| Month 1 | $88,000 | $9,400 | 0 |
| Month 2 | $102,000 | $12,100 | 0 |
| Month 3 | $95,000 | $6,800 | 1 |
A pattern like this tells a clear, steady story. If yours shows big swings, be ready to explain them, such as a seasonal peak or a one-time contract.
Credit still matters, but it is one input among several. The process starts with a soft credit pull, so checking your options does not affect your score. For a closer look, read how strong revenue offsets weaker credit. Credit repair through TrueCredit Partners is a separate service and is not required to apply.
None of these is automatically disqualifying, but each one invites questions. Addressing them up front keeps the review moving and lets your numbers do the talking.
No tax returns are required. Funding from $25,000 to $5,000,000 is provided through our partner Merchant Fund Express. Start the 5-minute application, or see the business funding FAQ.
Usually monthly deposits and how consistent they are across about three months of bank statements.
Yes, but for revenue-based funding it is one factor. FICO from 500 is considered.
Reviewers generally separate true sales deposits from internal transfers, so expect them to be excluded.
Not automatically. Reviewers look at the overall pattern, so a rare overdraft weighs less than frequent ones.
No formal plan is required. A clear sentence on how you will use the funds helps the review.
Example uses for illustration only.
Before applying, look at your statements for the same signals a funder will.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding