Built for established businesses doing $60K+ a month whose credit lags behind the sales. See how your deposits tell the story.
See where I standQualifying for Funding
Steady monthly revenue is the center of the file. Funding comes through our partner, Merchant Fund Express, and starts with your recent bank statements.
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.
About three months of business bank statements and a 5-minute application. No tax returns. Qualified files can be funded in as little as 24 hours.
FICO 500+ is considered and the first look is a soft pull. Consistent deposits carry real weight in the review.
Your offer shows the total repayment amount up front, so you know the number before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer before you sign, so it can sit next to your payroll and rent.
Our funding options, provided through our partner Merchant Fund Express, are built for established businesses doing $60K or more a month in revenue. That is who the program is designed around, not a line drawn in permanent ink. A business doing a little less with very clean, steady deposits can still be worth a conversation, and a business doing far more with chaotic statements may need some explaining.
The more useful question is not "how much revenue is required" but "what does my revenue look like to someone reading my bank statements?" Funders do not only look at the total. They look at the pattern.
With about three months of business bank statements in hand, a reviewer typically walks through several questions:
None of these is scored in isolation. A strong, steady deposit history can carry a file where the personal credit score is still recovering.
Many of the owners who come to Eagle Credit Repair built the business faster than they rebuilt their personal credit. A divorce, a medical bill, or a rough first year can leave a score behind where the company is today. Revenue-based funding products look first at what the business brings in, and FICO scores of 500 and up are considered.
That does not make credit irrelevant. It means the score is one input among several rather than the gate at the front door. If you want the longer explanation, our guide on how revenue offsets credit goes through it in detail.
Some deposits look like revenue on a quick scan but get set aside once a reviewer looks closer. Knowing this ahead of time keeps expectations realistic.
| Deposit type | How it is usually treated |
|---|---|
| Card processing and customer payments | Counted as core revenue |
| Transfers from your other business account | Usually removed to avoid double counting |
| Owner cash injections | Generally not treated as sales |
| Loan or advance proceeds | Removed from revenue, noted as an obligation |
| Large one-time project payment | Counted, but read in context of the other months |
Sole proprietors can apply too. What matters is that the deposits reflect a working business.
No. It describes the established businesses this program is built for. Files are reviewed on the whole picture, including consistency and existing obligations.
They start from gross deposits and then remove things that are not sales, such as transfers between your own accounts or loan proceeds.
Not necessarily. A single soft month with a clear reason reads differently than a steady decline. Explain it plainly when you apply.
Strong, consistent deposits carry real weight, and FICO 500+ is considered. Credit is still reviewed, so it is not ignored entirely.
No. Funding is provided through our partner Merchant Fund Express. Credit repair is a separate service and is not required to apply.
Example uses for illustration only.
A few habits make your revenue easier for any funder to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding