A low score got you a fast no. Here, FICO 500+ is considered and revenue carries weight. For businesses doing $60K+ a month.
See if I fitCredit is one factor, not all
Revenue-based financing through our partner, Merchant Fund Express, where monthly deposits do most of the talking. Credit repair is a separate service and not required to apply.
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 5-minute application with about three months of statements and no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. We start with a soft pull, and steady revenue counts heavily.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your offer lays out the repayment schedule up front so you can plan around it.
Banks often stop at the credit report. A 540 or a 610 can end the conversation before anyone opens your bank statements. Revenue-based financing flips the order. A funder reads how much money comes into your business each month, how steady it is, and what you already owe. Then credit gets weighed alongside that.
Funding is provided through our partner Merchant Fund Express, from $25,000 to $5,000,000.
More on this in how revenue offsets credit.
For illustration only. Two owners both sit at 560. One runs a tire and brake shop with deposits around $95K every month and a healthy balance. The other's deposits bounce between $40K and $120K with frequent overdrafts. Same score, very different files. The first is a much stronger read. Your credit report is the same in both stories. The bank statements are what changed.
Lucky Credit Pros offers credit repair, and we offer business funding through Merchant Fund Express. They are two different services. You do not need credit repair to apply for funding, funding does not raise your credit score, and repairing your credit does not promise an approval. If you want both, you can apply for funding now based on revenue and work on your credit on its own track.
Qualified businesses can see funding in as little as 24 hours. Sole proprietors can apply. Also see bad credit business funding.
FICO 500+ is considered. Your score is reviewed alongside your deposits, balances and existing obligations.
Not automatically. It gets reviewed as part of the whole file. Be upfront about it, since surprises slow things down.
No. Credit repair is a separate service and is not required to apply. You can apply now based on revenue.
No. Funding is not a credit repair tool and is not meant to change your score.
A soft pull does not impact your score the way a hard inquiry can.
Amounts range from $25,000 to $5,000,000. What you are offered depends mainly on your monthly deposits and existing obligations, with credit weighed as one factor in the decision.
Example uses for illustration only.
Credit aside, these moves make a revenue file stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding