Business and personal credit are two files. Here is how each works and when it matters, for established businesses doing $60K+ a month.
See funding optionsResource
Building business credit takes time. Meanwhile, funding through our partner, Merchant Fund Express, is weighed mainly on deposits, so you can apply now.
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.
5-minute application, about 3 months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered with a soft pull to start. Revenue carries weight too.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Repayment is laid out in your offer up front, so you can keep building credit on a known budget.
Your personal credit is tied to your Social Security number and scored with FICO or similar models. Business credit is tied to your company and tracked by business credit bureaus, using your EIN and business details. They can look very different. Plenty of owners have a thin business file and a bruised personal one, or the reverse.
It takes time. Think months to years, not days.
Mixing personal and business spending. Using a home address on one account and a shop address on another. Letting a small vendor bill go to collections. Applying for a dozen cards at once. Each one muddies the file or adds a negative mark that takes a while to age out.
Here is the straight answer: for revenue-based funding, your business bank statements usually matter more than your business credit file. A thin file is not a dealbreaker. Personal credit is reviewed too, FICO 500+ is considered, and the review starts with a soft credit pull. If you are building business credit and need money now, you do not have to wait. See how revenue offsets credit for the details.
Built for established businesses doing $60K or more a month. Apply in 5 minutes with about three months of business bank statements and no tax returns. Funding from $25,000 to $5,000,000 is provided through our partner Merchant Fund Express. Start the application or read business funding first. Personal credit repair is a separate service and not required to apply.
No. Personal credit is tied to you. Business credit is tied to your company and tracked by separate bureaus.
Usually months to years of on-time payments to vendors and creditors that report.
Not for revenue-based funding. Bank statements and deposits carry most of the weight, and a thin business file is not a dealbreaker.
Yes, by separating finances and using accounts that report under the business. Sole proprietors can also apply for funding.
Do not count on it. Funding is a separate service from credit work, and it is not a credit-building tool.
Example uses for illustration only.
Business credit and funding readiness overlap in a few practical ways.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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