Your credit score doesn't define your business. We focus on your revenue, not your FICO. Funding from $5K to $500K.
Traditional lenders fixate on your FICO score. We take a different approach — evaluating your business on what actually matters.
$10K+ minimum. Your cash flow tells the real story of your business health. Consistent deposits matter more than a three-digit score.
3+ months. A proven track record matters more than a number. If you have been operating and generating revenue, we want to hear from you.
3 months required. We review your deposits, cash flow patterns, and overall financial activity — not just credit reports.
Growing businesses deserve funding regardless of personal credit history. We evaluate trajectory, not just a snapshot in time.
Not every product is available at every credit level. Here is an honest breakdown of what you can realistically expect.
| Product | 500–550 | 550–600 | 600–650 | 650+ |
|---|---|---|---|---|
| Merchant Cash Advance | Best Option | Good Rates | Better Rates | Best Rates |
| Revenue-Based Financing | Available | Good Rates | Better Rates | Best Rates |
| Working Capital | Limited | Available | Good Rates | Best Rates |
| Equipment Financing | Case by Case | Available | Good Rates | Best Rates |
| Line of Credit | — | Case by Case | Available | Best Rates |
| Invoice Factoring | Available at all credit levels Your client's creditworthiness matters more than yours | |||
Lower credit scores typically mean higher rates. We believe you deserve to know that upfront. Your funding specialist will clearly explain all costs — including factor rates, fees, and total repayment amounts — before you commit to anything. No hidden fees. No surprises. If the numbers don't work for your business, we will tell you honestly.
of small business loan applications are denied by large banks
Source: Federal Reserve Small Business Credit Survey
Banks were built to serve borrowers with pristine credit histories. If your score has taken a hit, they simply aren't designed to look deeper. But your credit score often has nothing to do with how well your business is actually performing.
Most banks require a minimum FICO of 680 or higher. Below that cutoff, applications are typically auto-declined regardless of business performance or revenue strength.
Traditional lenders want 2+ years of operating history and often require collateral, putting newer but profitable businesses at a significant disadvantage when seeking capital.
Divorce, medical bills, pandemic-related hardship — these personal events can devastate a credit score without reflecting the health or profitability of your business at all.
Even if you meet their criteria, traditional banks take 2 to 6 weeks to process applications. When you need capital now to seize an opportunity or cover a gap, that timeline simply doesn't work.
A side-by-side look at why business owners with lower credit scores choose alternative funding over traditional bank loans.
| Criteria | Traditional Bank | MerchantFundExpress |
|---|---|---|
| Minimum Credit Score | 680+ | 500+ considered |
| Time in Business | 2+ years | 3+ months |
| Collateral | Usually required | Not required |
| Approval Time | 2–6 weeks | Same day |
| Primary Focus | Credit history | Business revenue |
| Funding Speed | Weeks after approval | As little as 24 hours |
| Documentation | Extensive (tax returns, P&L, business plans) | Bank statements + basic info |
No mountains of paperwork. No waiting weeks for a decision. Here is what the process actually looks like from start to funded.
Takes about 3 minutes. We ask for basic business information and 3 months of bank statements. No tax returns, no lengthy business plans, no collateral documentation.
A dedicated funding specialist reviews your business — not just your credit score. They evaluate your revenue, cash flow, and overall business health to find your best options.
Choose the option that works best for your business. All costs are explained clearly before you commit. Funding can arrive in as little as 24 hours after approval.
Life happens. Credit scores drop for reasons that have nothing to do with how well you run your business. Here are some common situations we see every day.
Your business survived COVID, but your credit took a hit during the shutdown. Revenue is back and growing. You need capital to scale, not a lecture about your FICO score. We understand that surviving the pandemic was an achievement in itself.
An unexpected medical event piled up personal debt and tanked your score. But your business is thriving, generating strong revenue every month. Medical debt on your personal report should not prevent your business from accessing working capital.
Your credit score dropped during a personal transition. Joint accounts were affected, utilization spiked, and missed payments appeared. But your business has been operating profitably throughout the entire process.
You don't have bad credit — you have limited credit history. Your business is generating strong revenue from day one and needs funding to scale. Banks see thin files as risk. We see them as opportunity.
Getting funded today does not mean settling for higher rates forever. Here are proven steps to improve your credit score over time so you can qualify for better terms down the road.
Straight answers to the questions business owners with lower credit scores ask most often. No fluff, no runaround.
Let us look at your business — not just your number. Apply in 3 minutes and see what you qualify for.
Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.