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Funding underwritten on your revenue — not your credit score. All credit profiles are welcome to apply.
A rough credit score closes a lot of doors — but it doesn't change the fact that your business deposits real revenue every month. Our underwriting starts from those deposits: 4+ months in business and $10,000+ in monthly revenue is the gate, and we use a soft credit pull only, which never touches your score. All credit profiles are welcome to apply. What we fund in house is an advance, not a loan; a loan, where it fits, we arrange with a direct lending partner, only if you choose to and at no fee to you, and the partner’s credit criteria and terms are its own, set out in writing before anything is signed.
The honest part: credit still informs pricing. Lower scores generally mean a higher cost of capital, and we'll show you that cost in plain dollars before you sign anything. Many clients use a first, modest funding round — repaid on schedule — as the track record that earns them materially better terms on the next one. No approval is ever guaranteed; every file gets a real underwriting review.
Here is what that review actually looks at once the score is out of the way. An underwriter opens four months of statements and reads the spaces between the deposits: the average daily balance the account carries, whether it closes below zero and in what pattern, and which fixed debits already belong to another funder. A credit report is read for events, an open bankruptcy above all, more than for the number on the front of it, and public records such as an unresolved judgment or an open tax lien are read beside it. Most of that is improvable before you apply rather than after: run every dollar of revenue through one business account, stop sweeping the balance to zero between deposits, and put anything unusual in writing instead of leaving it to be guessed at.
The 80%–150% of monthly revenue band still applies, within $5,000 to $10 million, and where you land in it is set by the account — deposit consistency, average daily balance, existing debt service and operating history — while weaker credit usually means a higher cost of capital. That's the honest trade: the score doesn't close the door or shrink the room, it prices it. No approval is ever guaranteed.
No — and be wary of any lender who says otherwise. Strong, consistent deposits make approval likely (on deals up to $2 million, 90% of complete applications that meet our requirements are approved), but every application gets a genuine underwriting review.
No. We use a soft inquiry only, with zero impact on your score, and we never run a hard pull, not when you apply and not when you fund.
Pricing reflects risk, so a lower score usually means a higher factor rate or shorter term. We state the total payback in dollars up front — and if a cheaper structure fits your file, your advisor will say so.
There's no published cutoff, because the score isn't the deciding factor — 4 months of bank statements are. We've funded businesses in the 500s with strong deposits and declined stronger scores with erratic ones. No approval is ever guaranteed.
Yes. If we decline, we tell you why: always if you ask, and often without being asked. That means a straight answer about what's driving it — usually revenue consistency, negative days, or existing positions — plus what would need to change. A decline today isn't permanent.
The overdrafts, usually. A negative day shows how much of the balance a new debit would have consumed — the cushion was gone before anything was added — and negative days that recur in the same week of every month say the account is structurally short. A low score is read for what sits behind it, and only one of the fourteen reasons we publish for declining a file is a credit event at all: an open bankruptcy.
Less than the account does, but it helps to say so, at submission rather than when asked. Underwriting works from four months of business bank statements, and a short written note on the event — what it was, when it happened, whether it is resolved — costs nothing and saves a round trip. It will not move a threshold: the account still has to carry the payment, and an unresolved tax lien or an active judgment surfaces in underwriting whether it is mentioned or not.