Your business outgrew your personal credit. For established businesses doing $60K+ a month, steady revenue can carry real weight.
See where I standResource Guide
Funding through our partner, Merchant Fund Express looks at how your business actually performs. FICO 500+ is considered, and deposits matter.
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.
Consistent monthly revenue is a major part of the review. FICO 500+ is considered, and it starts with a soft pull.
About three months of bank statements and a 5-minute application. No tax returns required.
Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.
Repayment is laid out in your offer up front. Qualified files can fund in as little as 24 hours.
A personal credit score answers one question: how has this person handled personal borrowing over the past several years? Business deposits answer a different one: can this company produce steady cash month after month? For an established operator, the second question is often the more useful one, and a revenue-based review treats it that way.
That is how an owner with a 540 score and a busy business can still have a real conversation about funding. FICO 500 and up is considered.
For illustration only. These are composite examples, not customers or terms.
Runs two quick-service locations doing about $180,000 a month combined. Personal score fell after a family medical crisis. Deposits are steady every week. The revenue picture is strong and current.
Commercial tenant buildouts, about $95,000 a month. Score is fair, but deposits swing hard between big progress payments and quiet weeks. The review weighs the swings as much as the score.
About $62,000 a month in memberships, very consistent. Score is in the high 500s from an old business that closed. Consistency is the strength here.
The full list is in what funders look at.
Revenue does not erase credit. A very recent pattern of missed obligations, or an account that overdraws constantly, can outweigh good top-line numbers. Strong deposits widen the door; they do not hold it open no matter what. No one can tell you in advance how a specific file will be decided.
Credit repair and funding are separate services. You do not need to repair credit before applying, funding does not raise your score, and repaired credit does not decide an approval. Many owners apply for funding based on revenue now and work on personal credit separately. For the business side of credit, see our business credit guide.
Funding from $25,000 to $5,000,000 is provided through our partner Merchant Fund Express, in as little as 24 hours for qualified businesses. Built for established businesses doing $60K or more a month. Start the five-minute application, or explore bad credit business funding.
It can carry significant weight. Consistent business deposits are a major part of a revenue-based review, and FICO 500 and up is considered.
One strong month helps less than steady performance across roughly three months of statements.
Generally, older setbacks weigh less than recent, ongoing ones, especially when current business performance is strong.
The process starts with a soft credit pull, which does not affect your score.
Example uses for illustration only.
Strengthen the revenue side while you work on credit separately.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding