Why owners end up here
Most owners who find us already tried the bank. They have steady deposits, real customers and a business that pays its bills. The bank still said no, usually because of a credit score, a thin file or a process that takes weeks.
We do not think a single number should decide whether a working business gets capital. That is why Lucky Credit Pros offers business funding through our partner, Merchant Fund Express. The review starts with how your business actually runs: your deposits, your revenue and your consistency.
Who this is built for
This is built for established businesses doing $60K or more a month. That covers a lot of ground:
- A restaurant group with two locations and a slow winter behind it
- A plumbing or HVAC shop with commercial service contracts
- A medical or dental practice waiting on insurance reimbursements
- A retail store stocking up before a busy season
- A sole proprietor with strong deposits who never set up an LLC
If you are pre-revenue or just getting started, this is not the right fit yet.
What you can get
| Option | How it works |
|---|---|
| Working capital | A lump sum for everyday operating costs like payroll, rent and supplies. |
| Merchant cash advance | An advance against future sales, repaid as a share of revenue. |
| Business line of credit | A credit limit you draw from when needed and repay as you go. |
| Equipment financing | Funding tied to a specific piece of equipment you need to buy. |
Amounts range from $25,000 to $5,000,000 depending on the file.
What you need to apply
- About three months of business bank statements
- Basic business and owner details
- Five minutes for the application
No tax returns required. The process starts with a soft credit pull. FICO scores of 500 and up are considered. Qualified businesses can be funded in as little as 24 hours.
Ready now? Start the 5-minute application.
Credit repair and funding are separate
Lucky Credit Pros is known for credit repair. Business funding is a separate service. You do not need to finish credit repair, or start it, to apply for funding. The funding review leans on your revenue. If you want to work on your credit too, you can do that on its own track at the same time.
Want the details on what gets reviewed? Read what funders look at or how business funding works.
Who actually provides the money
Funding is provided through our partner Merchant Fund Express. We connect you to the application. They review the file and make the offer. Straightforward, and you know who you are dealing with from the start.
Frequently asked questions
My bank turned me down last month. Can I still apply?
Yes. A bank decline does not stop you from applying here. The review focuses on your business revenue and deposit history, and FICO scores of 500 and up are considered.
How much can I get?
Funding ranges from $25,000 to $5,000,000. Where your file lands depends on your revenue, deposits and the type of funding you choose.
Do I need to send tax returns?
No. You will need about three months of business bank statements. Tax returns are not required.
Will applying hurt my credit?
The process starts with a soft credit pull, which does not affect your score.
I am a sole proprietor. Am I eligible?
Sole proprietors can apply. What matters most is an established business with steady revenue, roughly $60K or more a month.