Banks often want strong scores. Here, FICO 500+ is considered and established businesses doing $60K+ a month get weighed on deposits too.
Check my lineQualifying
Apply for a business line of credit with a soft pull to start, through our partner, Merchant Fund Express. Credit repair 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.
Starting the application uses a soft pull. FICO 500+ is considered, and revenue carries real weight.
Funding in as little as 24 hours for qualified businesses. No tax returns; about 3 months of statements; 5-minute app.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer up front, before you draw a dollar.
FICO 500+ is considered for a business line of credit through our partner Merchant Fund Express. That does not mean every 500 gets a line. It means a score in that range does not end the conversation. Your bank statements carry a lot of weight.
We serve established businesses doing $60K or more a month. If your bank said no over credit, that is exactly who this page is for.
A bank tends to lead with the score and the tax returns. Revenue-focused funders lead with what is flowing through your account. A 560 with steady deposits and healthy balances can look better to them than a 700 with deposits all over the place. Read how revenue offsets credit for the longer version.
More in what funders look at.
Late payments, high card balances and old collections pull scores down. Funders will see those. What they also want to see is whether the problem is old or current. A rough patch two years ago with clean recent statements reads differently than missed payments last month. Be ready to explain anything recent in a sentence or two.
Credit repair and funding are separate services. You do not need to fix your credit before you apply for funding, and repairing credit does not promise any approval. Plenty of owners apply now based on revenue and work on their credit on a separate track. If you want to learn about business credit, see our business credit guide.
Soft credit pull to start, so checking does not affect your score. About three months of business bank statements, no tax returns required, and sole proprietors can apply. Take the 5-minute application. Lines run from $25,000 up to $5,000,000 for qualified businesses, and funding can arrive in as little as 24 hours. Compare with other options on business line of credit.
FICO 500+ is considered. It is a starting point for review, not a promise. Deposits and balances weigh heavily.
Funders commonly review the owner's personal credit, especially for smaller businesses. Business credit history can add context.
We start with a soft credit pull, which does not affect your credit score.
You do not have to. Credit repair is a separate service. You can apply on revenue now and work on credit separately.
FICO 500+ is what is considered. Below that, the file is harder to place, even with strong deposits. You can work on credit separately and check back.
Example uses for illustration only.
Score aside, these help a line-of-credit review:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding