Your score reflects the past; your deposits show the present. Established businesses doing $60K+ a month can apply based on revenue.
See what's realisticRevenue-first funding
Revenue-focused funding for owners with imperfect credit, through our partner, Merchant Fund Express. Work on credit separately while you apply now.
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. About three months of statements, no tax returns, five minutes to apply.
FICO 500+ is considered and the first look is a soft pull. Recent deposits can matter more than an old mark.
Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so you can budget for it before you commit.
First, on speed: we do not promise same-day funding. Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Anything faster depends on the file and the bank. Second, on credit: FICO scores from 500 are considered. A lower score does not end the conversation for an established business with steady deposits.
Technically, most of these products are not traditional loans. They include working capital, merchant cash advances, lines of credit, and equipment financing, all provided through our partner Merchant Fund Express.
A credit score summarizes how past debts were handled. Funding reviewers also want to know whether the business can support payments now. About three months of business bank statements answer that question directly: average deposits, consistency, and how the account is managed. For a deeper explanation, read how revenue offsets credit and bad credit business funding.
The profiles below are for illustration only and do not represent our terms or outcomes.
| Business A | Business B | |
|---|---|---|
| Owner FICO | 720 | 560 |
| Avg. monthly deposits | $38,000 | $115,000 |
| Deposit pattern | Irregular | Steady for 3 months |
| Time in business | 8 months | 5 years |
Business B has the weaker score but the stronger story for revenue-based funding. That is the type of owner we built this for.
Credit improvement is a long game, and it is worth playing. Funding is a separate service, and repairing credit is not a requirement to apply. You can apply now based on revenue while working on credit independently. Funding will not raise your score, and credit work does not decide a funding outcome. Treat them as two parallel plans for a growing business.
Ready? Start your application. See also 24-hour business funding.
FICO scores from 500 are considered. Revenue and deposit history carry significant weight.
We do not promise same-day funding. Qualified businesses can be funded in as little as 24 hours, and anything faster depends on the file and bank.
The process starts with a soft credit pull.
No. Credit repair and funding are separate. You can apply now based on revenue and work on credit on its own timeline.
A longer track record with steady deposits gives reviewers more confidence that current revenue will continue. That is why we focus on established businesses rather than new ventures.
No. This is built for established businesses doing $60K or more a month in revenue.
Example uses for illustration only.
Credit is only part of the picture, and these steps strengthen the rest.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding