Turned down over a score? FICO 500+ is considered. Built for established businesses doing $60K+ a month.
Show my optionsBad Credit Business Funding
You can apply for funding now based on what your business brings in, through our partner, Merchant Fund Express. Credit work, if you want it, is a separate service.
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.
Credit is weighed, but it is not the only thing. Monthly deposits and revenue carry real weight.
Checking your options starts with a soft credit pull, so looking does not add another hard inquiry up front.
About 3 months of statements, no tax returns, a 5-minute form. Qualified files can be funded in as little as 24 hours.
Your offer shows the full repayment amount and the repayment schedule before you accept anything.
We hear it every week. A divorce. A medical bill. A partner who walked out. A rough year during a downturn. None of it says the business today is weak. It just left a mark on a report, and the bank only looked at the mark.
If your business is doing $60K or more a month and paying its bills, a low score does not have to end the conversation.
Through our partner Merchant Fund Express, the review leans on how the business runs:
Credit still gets checked, starting with a soft pull, and FICO 500 and up is considered. For the full picture see how revenue offsets credit.
No. This is important, so here it is plainly. Credit repair and business funding are two separate services at Lucky Credit Pros. You do not need credit repair to apply for funding. Funding does not change your credit score, and credit repair does not decide a funding approval.
Plenty of owners apply for funding now based on revenue and work on their credit separately, on its own timeline.
Need it quickly? See fast business loans with bad credit.
See what funders look at for more.
Have about three months of business bank statements ready. No tax returns. Funding runs from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Sole proprietors can apply. Start your application.
FICO scores of 500 and up are considered. Your revenue and deposit history carry a lot of weight in the review.
The process starts with a soft credit pull, which does not affect your score.
No, do not count on that. Funding and credit are separate. If you want to work on your credit, that is a separate service.
Yes, you can apply. Be honest on the application. The review looks at your full business picture, especially current revenue.
No. Credit repair is completely optional and separate from funding.
No. This is built for established businesses doing roughly $60K or more a month in revenue.
Example uses for illustration only.
You cannot fix a score overnight, but you can strengthen the file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding