Funding for established businesses doing $60K+ a month that hit a dip. Bank said no? Apply in 5 minutes and get a straight answer fast.
See my numbersSlow Month Cash Flow
Slow months come back around. Working capital through our partner, Merchant Fund Express, can carry the gap so the busy season starts clean.
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.
For qualified businesses. About 3 months of bank statements, no tax returns, and a 5-minute application. That is the paperwork.
FICO 500+ is considered and it starts with a soft pull. Your deposits over the last few months carry real weight.
Your offer shows the total repayment amount up front. No surprise costs show up after you sign.
The schedule is laid out in your offer, so you can map it against the months ahead before you commit.
A slow month is not a failing business. It is a gap between money going out on schedule and money coming in late. January after the holidays, a rainy spring for a landscaper, August for a tax office. Your bank looks at that one weak month and says no. A revenue-based funder looks at the pattern across about three months of statements and sees a business that recovers.
Most owners use working capital for this. Owners with uneven months sometimes prefer a business line of credit so they only draw what the dip actually costs.
For illustration only: a catering company averages $90K a month but books $48K in February. Fixed costs stay near $55K. The owner requests enough to cover the shortfall plus a cushion for March, then repays as spring events come back. Your numbers and your offer will be different. The point is that the request should match the gap, not the biggest number you can get.
No tax returns. The first look uses a soft credit pull, so checking your options does not ding your score. FICO 500 and up is considered. Sole proprietors can apply.
Decisions come quickly because the file is short. Qualified businesses can be funded in as little as 24 hours. Funding runs through our partner Merchant Fund Express, with amounts from $25,000 to $5,000,000 depending on your revenue. Ready? Start the application.
Lucky Credit Pros also does credit repair, but that is its own service. You do not need it to apply for funding, and funding does not change your credit score. Many owners apply now based on revenue and work on their credit on the side. Read how revenue offsets credit for more.
Funders look at roughly three months of deposits, so one soft month inside an otherwise steady pattern is normal. Explain the seasonality on the application if it helps.
No. Apply when you see the dip coming. A request made with a few weeks of runway is easier to size and you are not making decisions under pressure.
Yes. Ask for what the gap actually costs. Taking only what you need keeps repayment comfortable when the busy season returns.
A soft pull does not affect your score. A deeper check may happen later in the process, and you will know before it does.
Bank declines are common for owners with imperfect credit. This review leans on your business revenue, so a bank no is not the end of the conversation.
Example uses for illustration only.
A few habits make your file stronger before the next slow month hits.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding