Your personal score may carry old weight. If the business is doing $60K or more a month, you can apply now based on what it earns today.
Check my optionsFunding With Imperfect Credit
Owners with FICO 500+ are considered, with the review handled through our partner, Merchant Fund Express. Credit repair is a separate service and is not required to apply.
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.
A soft pull starts the review, so checking options does not hurt your score. Revenue carries real weight in the decision.
Funding can arrive in as little as 24 hours for qualified businesses. About three months of statements and a 5-minute application, no tax returns.
Your offer shows the full repayment amount before you accept, and no surprise costs appear after you sign.
The schedule is in your offer up front, so you can judge whether it fits before saying yes.
Eagle works with owners every day whose credit reports describe a version of their life that no longer exists. One ran a roofing crew through a rough patch and settled some accounts. Another cosigned for a relative. Today those same owners run payrolls, manage vendors, and deposit six figures a month. Banks still see the report first. Merchant Fund Express starts with the bank statements.
That difference in starting point matters. A report records late payments and balances from years ago. A bank statement shows whether customers are paying you this quarter, whether payroll clears on time, and whether the account holds a healthy balance between deposits. For an operator who rebuilt after a hard stretch, the statements are usually the more accurate picture of the business today.
FICO scores of 500 and up are considered. For a deeper look, read how revenue offsets credit. Merchant Fund Express also breaks down how a credit score is weighed in a funding review.
We want to be direct about this. Credit repair and business funding are separate services. You do not need credit repair to apply, funding will not raise your score, and working on your credit does not assure any funding decision. What you can do is apply now based on the strength of your revenue while handling personal credit on its own timeline, with Eagle or anyone else.
Owners with imperfect credit often look at a merchant cash advance, since it ties repayment to sales. Working capital and equipment financing are also available. If timing is tight, see fast business loans with bad credit.
The application takes about five minutes and begins with a soft credit pull. Have roughly three months of business bank statements ready. No tax returns are required. Sole proprietors can apply. Requests range from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
FICO scores of 500 and up are considered. The review gives real weight to revenue and deposit consistency.
You can apply. Every file is reviewed on its own, with the business bank statements at the center of the review.
You do not need to. The two are separate. Many owners apply based on revenue now and work on personal credit on a separate track.
The process starts with a soft credit pull.
Our partner Merchant Fund Express reviews the file and provides any funding.
No. It is built for established businesses with real revenue, generally doing $60K or more a month.
Example uses for illustration only.
While credit improves on its own track, these steps strengthen the business side of the file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding