Your bank stopped at the score. Revenue-based funders read the whole file. For established businesses doing $60K+ a month, here is what gets weighed.
See where I standResource
Funders through our partner, Merchant Fund Express, read deposits, balances, NSFs, time in business and credit together. Most of that you can tighten before you apply.
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.
About 3 months of business bank statements and no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. A soft pull starts it, and revenue carries real weight in the decision.
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, based on what your file shows.
This is the big one. Funders want to see real money coming in every month. Built for established businesses doing $60K or more a month, the review starts with about three months of business bank statements. Transfers between your own accounts and loan proceeds usually do not count as revenue, so do not expect them to.
Two businesses can both average $80,000 a month and read very differently.
Those numbers are for illustration. Seasonal businesses are not shut out, but explain the pattern if you have one.
Funders scan for days the account went negative and how low balances run. A few overdrafts are not fatal. A pattern of them every week says cash is tight, and that changes what is offered. If you can, keep a cushion in the account during the months you will submit.
Existing payments show up on your statements: other advances, loans, equipment notes. Funders add them up and ask whether your revenue can carry one more payment. Be upfront about current positions. They will see them anyway.
FICO 500+ is considered. Credit still matters, but here it is one factor, not the gate. Recent defaults or open tax liens get a harder look than an old late payment. Review starts with a soft credit pull, so checking does not ding your score. For how this trade-off works, read how revenue offsets weaker credit.
Fancy pitch decks. Projections for next year. A long story about why the bank was wrong. None of that hurts, but none of it moves the needle much either. Revenue-based funders care about what already happened in your account. If you want to spend time preparing, spend it on clean statements and a short, specific answer to what the money is for. Learn more about building a stronger profile in our business credit guide.
Then fill out the 5-minute application. Files are reviewed through our partner Merchant Fund Express, with funding from $25,000 to $5,000,000.
For revenue-based products, deposits and consistency carry a lot of weight. Credit is reviewed too, and FICO 500+ is considered.
Not here. No tax returns are required. Bank statements are the main document.
Yes. Longer history gives a funder more to read. This option is built for established businesses.
Not automatically. Funders look at whether your revenue can support another payment on top of what you already owe.
You can tidy it: full statements, matching names, all revenue in the business account. Those steps help a reviewer read it fast.
Example uses for illustration only.
Each item funders review is something you can work on before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding