A bank sees a 590 and stops. A revenue-based funder keeps reading your deposits. Built for established businesses doing $60K or more a month.
Check my optionsResource
Funding through our partner, Merchant Fund Express, weighs what your business brings in alongside your score. Credit repair is a separate service; you can apply now based on revenue.
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.
FICO 500+ considered. Steady monthly revenue counts in the decision, not just the number on your report.
Checking options starts with a soft pull. About 3 months of statements and no tax returns needed.
5-minute application. Qualified businesses can be funded in as little as 24 hours.
Your offer lists the full repayment amount and schedule before you accept. No surprise costs after you sign.
Banks lend on long terms at low margins. They need borrowers who almost never miss, so they lean hard on credit scores and collateral. A score under 680 or so, and many banks are done. It is not personal. Their model just does not have room for it.
Revenue-based products are repaid from money coming into the business. So the first question is not "what is your score?" It is "how much comes in, and how steady is it?" Your bank statements answer that directly. That is why FICO 500+ is considered and about three months of statements carry so much weight.
Put simply, a funder getting repaid from daily or weekly sales cares most about whether those sales keep showing up. A strong, predictable deposit history answers that better than a three-digit score can.
| Owner A | Owner B | |
|---|---|---|
| FICO | 720 | 575 |
| Monthly deposits | $25,000, uneven | $110,000, steady |
| Overdrafts | Frequent | Rare |
| Bank answer | Maybe | No |
For illustration only. Owner B often reads stronger to a revenue-based funder, even with the lower score. This is an example of how files are weighed, not a promise of any outcome.
Revenue does not erase everything. Things that still get a hard look:
An old late payment or high card balances weigh much less than these. See the full list in what funders look at.
Plenty of owners do both at once. They apply for funding now based on revenue, and work on personal credit as a separate project. That is fine. Just be clear on what each one does: credit repair does not decide funding, and funding is not a credit repair tool. They are two different services on two different tracks.
Built for established businesses doing $60K or more a month. The 5-minute application starts with a soft credit pull. Funding from $25,000 to $5,000,000 is provided through our partner Merchant Fund Express, and qualified businesses can be funded in as little as 24 hours. More options for low scores are on our bad credit business funding page.
FICO 500+ is considered, and revenue carries a lot of weight. Nothing is promised, but a low score alone is not an automatic no.
It can. Credit is one factor in the review, along with deposits, consistency, and existing debt.
Real business deposits from sales. Transfers between your own accounts and loan proceeds usually are not counted.
You do not have to. You can apply now based on revenue and work on credit separately if you choose.
No. It starts with a soft credit pull.
Example uses for illustration only.
If revenue is your strongest card, make it easy to see.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding