Your revenue matters more than your credit score. Get a revolving business line of credit even with scores as low as 500 — approved in 24 hours.
Soft pull only | Revenue-based qualifying | 24-hour decision
A business line of credit with bad credit is possible when you apply with a lender like Merchant Fund Express that focuses on monthly revenue, not just credit score. MFE accepts credit scores from 500 and offers revolving lines of $10,000 to $250,000 on 12–24 month terms. Approval in 24 hours. Revenue qualification means consistent monthly bank deposits of $8,000+ matter more than your FICO. Call (305) 384-8391 or apply online to see what you qualify for.
Traditional banks use a rigid credit score threshold — typically 680 or higher — to approve business lines of credit. If your score is below that line, the answer is almost always no, regardless of your revenue, customers, or business trajectory.
That approach makes sense for banks (they're protecting depositor funds), but it leaves thousands of profitable, revenue-generating businesses without access to capital they need to grow.
At Merchant Fund Express, we evaluate your application differently. We look at:
Best product: MCA or Revenue-Based Financing
Available amount: $5,000–$50,000
Revenue-based products focus almost entirely on bank deposits. $15K+/month in revenue can still get you funded.
Best product: Working Capital + Basic Line of Credit
Available amount: $10,000–$75,000
Lines are possible at this tier with 12+ months in business and $20K+/mo revenue.
Best product: Business Line of Credit
Available amount: $25,000–$150,000
Solid range. With consistent revenue of $30K+/mo you can qualify for a strong credit line.
Best product: Business Line of Credit (premium)
Available amount: $50,000–$250,000
Best terms and rates. Access to larger credit lines with favorable draw/repay flexibility.
Here's the truth most lenders won't tell you: your bank deposits tell a more complete story than your FICO score. A business owner with a 520 credit score who deposits $35,000/month consistently for 12 months is a lower risk than a business owner with a 640 score who deposits irregularly and maintains a near-zero balance.
| Factor | Weight at MFE | Weight at a Bank |
|---|---|---|
| Monthly Revenue / Deposits | Very High | Medium |
| Revenue Trend (growing/declining) | High | Low |
| Average Daily Bank Balance | High | Medium |
| Time in Business | Medium | High |
| Credit Score | Medium | Very High (Dealbreaker) |
| Collateral | Low | High |
| Tax Returns | Low (for <$250K) | Required |
5-minute application. Basic business info, EIN, and contact details. Soft pull only — no score impact.
3 months of business bank statements. This is how we verify your revenue and cash flow patterns.
Decision in 4–24 hours. We'll present you with line amount, term, draw fee, and repayment structure.
Once approved, draw funds as needed. Repay and draw again. Only pay fees on what you actually use.
| Credit Line Amount | $10,000 – $250,000 |
| Term Length | 12 – 24 months |
| Minimum Credit Score | 500 (revenue-based products) |
| Minimum Revenue | $8,000/month |
| Time in Business | 6+ months |
| Approval Time | 4–24 hours |
| Funding Speed | 24–48 hours after approval |
| Documents Required | 3 months bank statements + ID |
| Collateral Required | None for under $100K |
| Repayment | Daily or weekly ACH |
| Product | Amount | Min Credit | Revolving | Best Use |
|---|---|---|---|---|
| Business Line of Credit | $10K–$250K | 500+ | Yes | Ongoing working capital needs |
| MCA | $5K–$500K | 500+ | No | Emergency cash, one-time needs |
| Working Capital Loan | $10K–$500K | 580+ | No | Specific project or purchase |
| Revenue Based Financing | $10K–$250K | 500+ | No | Variable revenue businesses |
| Equipment Financing | $25K–$2M | 550+ | No | Equipment purchases only |
Yes. MFE offers revenue-based products for businesses with credit scores as low as 500. Your monthly bank deposits and cash flow are the primary qualifying factors.
Monthly revenue and bank deposit consistency. A business depositing $30,000+/month consistently for 12 months will often qualify for more funding than a higher-credit business with irregular cash flow.
With scores 500–549, expect $10,000–$50,000. With scores 550–599, $10,000–$75,000. With scores 600+, up to $250,000 depending on revenue.
No. The initial application uses a soft pull with no impact on your score. A hard pull may be required only for final approval on larger lines.
Most decisions in 4–24 hours. Funds deposited 24–48 hours after signing.
A line of credit offers revolving access and typically lower overall cost when managed well. MCA gives you a lump sum faster with fewer documentation requirements. The right choice depends on whether you need ongoing access or a one-time injection.
500+ credit score accepted. $10K–$250K available. Soft pull only.
Apply in 5 Minutes (305) 384-8391No obligation • Soft credit pull • BBB Accredited
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.