# Business funding with bad credit

Source: https://revenuenotcredit.com/guides/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](https://revenuenotcredit.com/guides/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](https://revenuenotcredit.com/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](https://revenuenotcredit.com/apply) or [check if you qualify](https://revenuenotcredit.com/?chat=1) in two minutes.

_General information only. Every funder sets its own terms; offers show exact numbers before signing._