Owners often assume one three-digit number decides everything. In practice funders read several things together, and some of them you can improve in weeks.
Apply Now →Most owners deal with two kinds of credit file. A personal score, such as a FICO score, tracks how you have handled your own accounts. A business credit file tracks how the company has paid vendors and lenders. Newer businesses, and most sole proprietors, may have almost no business file at all, which is why the personal score often carries more weight early on.
For our product, FICO 500 and above is considered. That is a threshold for consideration, not a promise of any outcome, and it is not the only thing reviewed.
| Input | What it tells a funder |
|---|---|
| About three months of business bank statements | Whether deposits are steady and large enough to support repayment |
| Personal FICO | How the owner has handled past obligations |
| Time in business | Whether the revenue pattern has some history behind it |
| Existing obligations | How much of each deposit is already spoken for |
We do not require tax returns. A bank statement shows what came in and what went out, which is the same story in a more current form.
A hard inquiry is recorded on your credit report and can lower a score slightly for a time. A soft inquiry is not. Our application uses a soft credit pull, so checking whether you qualify does not add a hard inquiry to your file. Many owners put off applying because they worry about shopping around damaging their score, and that worry is worth ruling out before you decide.
If your cash gap is real now, a payroll cycle or a repair that cannot be postponed, waiting six months to raise a score by thirty points costs more than the improvement is worth. Apply, see what is offered and decide with real numbers. We fund $25,000 to $5,000,000, in as little as 24 hours, and sole proprietors can apply.
FICO 500 and above is considered. The score is one input alongside about three months of business bank statements.
The application uses a soft credit pull, which does not add a hard inquiry to your credit file.
No. Many sole proprietors and newer companies have thin business files. Bank statements show how the business operates.
No tax returns are required. We ask for about three months of business bank statements.
Lower credit-card balances can show once creditors report them, often within a billing cycle or two. Dispute corrections can take longer.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
