Your business may be ahead of your credit. Built for established businesses doing $60K+ a month; FICO 500+ is considered.
Check my optionsQualifying
Business lines of credit are available through our partner, Merchant Fund Express, with a review that weighs revenue alongside your credit score.
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 score that trails the business is not an automatic stop. Revenue and deposit history carry real weight.
Exploring your options begins with a soft credit pull, so you can look before you commit.
About three months of statements, no tax returns, a 5-minute application. Qualified files can fund in as little as 24 hours.
The full repayment amount and schedule are in your offer before you accept. No surprise costs after you sign.
Through our partner Merchant Fund Express, a FICO score of 500 or higher is considered for a business line of credit. That is not a promise of approval at any score. It means a lower number does not end the conversation before your business has been looked at.
Many owners we work with built a business doing $60K or more a month while a divorce, a medical bill, or an old partnership left marks on their personal report. The business moved forward. The score did not keep pace.
A line of credit stays open. You draw, repay, and draw again, sometimes for a long stretch. Because of that ongoing relationship, funders tend to look at personal credit as one signal of how obligations get handled over time. It is usually weighed alongside other evidence, not instead of it.
Our article on how revenue offsets credit goes deeper on this balance.
The application starts with a soft credit pull, which lets a funder see your profile at the start of the review. You do not need to clean up your report before you apply. Credit repair is a separate service; you can work on it with us while your business applies for funding on the strength of its revenue. Neither one depends on the other.
Sometimes the file points toward a different structure, like working capital or a merchant cash advance for owners with bad credit, which lean more on deposits. Our working capital vs line of credit comparison helps you see the trade-offs.
The application takes about five minutes. Have about three months of business bank statements ready; no tax returns required, and sole proprietors can apply. Lines and other products run from $25,000 to $5,000,000, with funding in as little as 24 hours for qualified businesses. Apply for a line of credit.
FICO 500+ is considered. Approval depends on the whole file, including deposits, balances and existing obligations.
The application starts with a soft credit pull.
You do not have to. Funding is reviewed on the business, and credit repair is a separate service you can pursue at the same time.
Both can be reviewed. Our business credit guide explains how the two profiles differ.
We do not make that claim. Funding and credit repair are separate services.
Example uses for illustration only.
While you work on credit separately, these steps strengthen the business side.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding