The questions owners ask most after a bank no, answered straight. Built for established businesses doing $60K or more a month.
Apply in 5 minutesFAQ
Funding comes through our partner, Merchant Fund Express, from $25,000 to $5,000,000. If your question is not here, the application shows where you stand.
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.
As little as 24 hours for qualified businesses. 5-minute application, about 3 months of statements, no tax returns.
FICO 500+ considered. It starts with a soft pull, and your revenue carries weight.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, before you sign anything.
From $25,000 to $5,000,000, depending on your revenue and file.
Decisions move fast. Qualified businesses can be funded in as little as 24 hours. Anything faster depends on your file and your bank. See 24-hour business funding.
We do not promise it. As little as 24 hours is the realistic fast end for qualified files.
FICO 500+ is considered.
It starts with a soft credit pull, which does not affect your score.
No. Credit repair and funding are separate. You can apply for funding now based on revenue and work on credit separately if you want.
About three months of business bank statements and basic business and owner details.
No tax returns required.
Not needed. Your statements tell the story.
Established businesses doing $60K or more a month whose credit is not perfect.
Yes, sole proprietors can apply.
This is built for businesses with an operating history and steady deposits, not brand-new companies with no revenue yet.
Common uses include payroll, inventory, repairs, equipment, marketing, and covering a slow month. Tell us what it is for on the application so the right option is matched to the need.
That is who this is built for. Banks lean on scores and collateral. This review leans on your deposits, so a bank no does not decide the answer here.
Possibly. If your revenue holds up and your current payments are on track, you can apply again down the road.
Funding is provided through our partner Merchant Fund Express. Lucky Credit Pros is a credit repair company and does not make funding decisions. Read more on our partner page, or skip ahead and start the application.
Working capital and merchant cash advances are typically based on revenue, with no property pledged. Equipment financing is secured by the equipment. See our no-collateral page for more.
Yes. Funders look at whether your revenue can support another payment alongside what you already owe.
No. You see the options and terms first, and nothing is final until you sign.
Missing or partial statements, names that do not match across documents, and slow replies to questions.
You can apply anytime. Bank transfers usually move on business days.
Example uses for illustration only.
The quickest answers go to files that are ready to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding