Build business credit on its own track. Meanwhile, established businesses doing $60K+ a month can apply for funding based on revenue.
Check my optionsResource Guide
Business credit takes time. Funding through our partner, Merchant Fund Express is a separate path that weighs your revenue today, with FICO 500+ considered.
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.
Apply now based on revenue. FICO 500+ is considered, and a soft pull starts the process.
A 5-minute application and about three months of statements. No tax returns required.
The full repayment amount appears in your offer before you accept. No surprise costs after you sign.
Your schedule is laid out in the offer up front, and qualified files can fund in as little as 24 hours.
Your personal credit report follows your Social Security number. Business credit follows your company, usually through its EIN and the business credit bureaus. Many owners who started lean have only ever used the personal file, which is why a personal setback can feel like it defines the whole company. It does not have to.
| Personal credit | Business credit | |
|---|---|---|
| Tied to | You as an individual | The business entity |
| Built by | Personal cards, loans, mortgages | Vendor accounts, business cards, trade lines |
| Who sees it | Lenders, landlords, some employers | Suppliers, funders, partners |
Sole proprietors can still separate business activity with a dedicated account, which also makes funding reviews cleaner.
Start with suppliers who report payment history, often called trade lines. A wholesale supplier, a fuel card, or an office supply account on net-30 terms can all help. Pay on time or early. Add a business credit card when it makes sense, and keep balances modest. This is slow, steady work measured in months and years.
Building business credit is a long game. Revenue-based funding works on a shorter clock. A review through our partner Merchant Fund Express leans heavily on about three months of business bank statements, considers FICO 500 and up, and does not require tax returns. You can apply now based on revenue while building business credit and working on personal credit separately. Credit repair at Eagle Credit Repair is its own service and is not a requirement for funding.
Established businesses doing $60K or more a month can apply here. For the review itself, see what funders look at.
It can. Business credit bureaus track companies separately from your personal report, usually by EIN and business name.
It is gradual. Expect months of on-time vendor and card payments before a useful profile forms.
Revenue-based funding focuses heavily on business bank statements, so an established business with strong deposits can apply while its business credit profile is still growing.
Do not plan on it. Funding is meant to serve the business's cash needs, not to raise a score.
Yes, though it helps to use a dedicated business account, a consistent business name, and vendors that report payment history.
Example uses for illustration only.
Good business-credit habits also make a funding file easier to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding