Business funding with bad credit
A low credit score closes a lot of bank doors. Revenue-based funding opens a different one: funders look at the money coming into your business account, not your score.
Why banks say no
Banks lean heavily on personal credit scores, collateral, and years of tax returns. If any of those are weak, the answer is often no, even when the business itself is doing fine.
What funders look at instead
Revenue-based funders (merchant cash advance funders) decide from your last few months of business bank statements: how much comes in each month. Your credit score isn't what decides it. Sales can be up, down, or seasonal. What funders look for in bank statements.
What you typically need
About 4+ months in business, around $10,000+ a month in deposits (some funders go lower), a business bank account, and your last 4 months of statements. That's it to get offers.
What it costs
Honestly, more than a bank loan. Cost is shown as a factor rate, commonly around 1.15 to 1.5, so $20,000 at 1.30 means $26,000 paid back in total. See the numbers for your situation with the factor rate calculator.
How to apply
With Revenue Not Credit it's one short application and your statements. We send your file to several funders that fit, bring you every offer with its total payback, and you choose, or walk away. No fee to you, and we don't pull your credit. Start an application or check if you qualify in two minutes.
General information only, not financial or legal advice. Every funder sets its own terms; your offer shows the exact numbers before you sign.