A score is a snapshot of the past
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.
What carries weight in the review
- Monthly revenue. This program is built for established businesses doing $60K or more a month.
- Consistency. Steady deposits over about three months tell a clear story.
- Account health. How the balance behaves across the month.
- Purpose. A clear use for the funds.
FICO scores of 500 and up are considered. For a deeper look, read how revenue offsets credit.
Two tracks, kept separate
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.
Options worth knowing
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.
How to start
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.
Frequently asked questions
What is the lowest credit score considered?
FICO scores of 500 and up are considered. The review gives real weight to revenue and deposit consistency.
Will a past bankruptcy or collection stop me from applying?
You can apply. Every file is reviewed on its own, with the business bank statements at the center of the review.
Should I fix my credit before applying for funding?
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.
Does the first step hurt my score?
The process starts with a soft credit pull.
Who makes the funding decision?
Our partner Merchant Fund Express reviews the file and provides any funding.
Is this for brand new businesses?
No. It is built for established businesses with real revenue, generally doing $60K or more a month.