The bank said no. Established businesses doing $60K+ a month can apply in 5 minutes. FICO 500+ considered, soft pull to start.
Get a straight answerBad Credit, Fast Answers
A low score does not have to end the conversation. Funding through our partner, Merchant Fund Express looks hard at your deposits.
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.
Funding in as little as 24 hours for qualified files. About 3 months of statements, no tax returns, 5-minute application.
It starts with a soft pull. Monthly revenue and deposit history carry real weight, not just the score.
Your offer shows the full repayment amount before you accept. Nothing new appears after you sign.
The schedule is laid out in your offer up front, so you know exactly what you are taking on.
Banks lean hard on personal credit scores, collateral and tax returns. A late payment from three years ago, a medical collection, or a thin file can end the conversation before anyone looks at your sales. That is a bank rule, not a verdict on your business.
The review starts with your business bank statements, about three months of them. Steady deposits, ideally $60K or more a month, carry real weight. FICO 500 and up is considered. A soft credit pull starts the process, so checking does not hurt your score. Read how revenue offsets credit for the details.
People search "same day business loans bad credit" because they need money now. Here is the honest version. Decisions move fast. Qualified businesses can be funded in as little as 24 hours. Anything faster depends on your file and your bank. Anyone promising money today, no questions asked, should make you nervous.
Amounts run from $25,000 to $5,000,000.
For illustration: a commercial landscaping firm deposits $75K a month and the owner sits at a 560 score after a rough year. The bank declined a mower fleet upgrade. The owner applies with three months of statements, gets a quick decision, and finances the equipment. The score stays whatever it is; the revenue did the talking.
A real offer spells out how much, how repayment works and what it costs before you sign. Read it. Ask questions. Then decide.
Lucky Credit Pros is known for credit repair, but you do not need it to get funded and funding will not raise your score. Apply on revenue now through our partner Merchant Fund Express, and work on credit separately if you choose. No tax returns, sole proprietors welcome, five minutes. Apply now.
FICO 500 and up is considered. Revenue and deposit history carry much of the review.
Some products are loans and some, like a merchant cash advance, are advances on future revenue. Your offer will say which.
It starts with a soft pull, which does not affect your score.
Yes. Collections are common among applicants. Steady business deposits matter a lot in this review.
No. Credit repair is a separate service and is not required to apply for funding.
You can apply. Each file is reviewed on its own, with business revenue carrying much of the weight. Be upfront about it on the application.
Example uses for illustration only.
Credit aside, these steps make your file stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding