One hard year should not outweigh the business you run today. Established businesses doing $60K+ a month can apply, and FICO 500+ is considered.
See what I qualify forBad Credit Considered
Apply through our partner, Merchant Fund Express, starting with a soft pull. Funding is separate from credit repair and is reviewed on revenue.
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 lower score does not end the conversation. Monthly revenue and deposit patterns carry real weight.
Exploring your options begins with a soft credit pull, so checking does not add a hard inquiry up front.
A 5-minute application and about 3 months of bank statements. No tax returns, and qualified files can fund in as little as 24 hours.
Your offer shows the full repayment amount and schedule up front, so you know exactly what you are agreeing to.
We hear it constantly at Eagle: an owner with a business clearing $120,000 a month, a full staff, and loyal customers, who gets turned away by a bank because of a personal score in the 500s. The score might trace back to a medical bill, a partnership that ended badly, or the year the business nearly went under and the owner covered payroll on personal cards.
The company survived. The score has not caught up yet. Revenue-based financing is designed for exactly that gap.
FICO 500+ is considered. Credit is part of the picture, but revenue-based financing puts most of the weight on business performance: how consistently money comes in, how balances hold up through the month, and what obligations are already being paid. Because repayment is drawn as a share of deposits, the funder's main concern is whether those deposits are steady.
For a deeper look, read how revenue offsets credit.
None of these is a hard rule, and none on its own decides a file. They simply describe what tends to give a reviewer confidence.
Eagle Credit Repair has helped owners work on personal credit for years, and that service continues. It is entirely separate from funding. You do not need to repair your credit before applying, repairing credit does not assure approval, and taking on funding does not raise your score. Many owners apply for funding now on the strength of their revenue and keep working on credit separately, at their own pace.
Built for established businesses doing $60K or more a month, including sole proprietors. Amounts range from $25,000 to $5,000,000. The process starts with a soft credit pull, needs about three months of business bank statements, and requires no tax returns. Qualified businesses can be funded in as little as 24 hours through our partner Merchant Fund Express. Begin the 5-minute application, or compare with a merchant cash advance for bad credit.
FICO 500+ is considered. The review weighs business revenue and bank activity heavily alongside credit.
The process starts with a soft credit pull, which does not impact your score the way a hard inquiry can.
No. Credit repair and funding are separate services. You can apply now based on revenue and work on credit separately.
Every file is reviewed as a whole. Credit history is one factor, and current business revenue and bank activity carry significant weight in the decision.
You should not expect it to. Funding and credit repair are separate, and taking on funding does not improve your score.
Funding is provided through our partner Merchant Fund Express.
Example uses for illustration only.
While you work on credit separately, these steps strengthen the funding side.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding