What credit score do I need for business funding?

Revenue-based term loans start around 500 FICO with consistent deposits. Equipment financing is available below 600 with a larger down payment. Invoice factoring underwrites your customer's credit rather than yours, so your score matters least there. Unsecured lines and SBA loans generally need 650 to 680 or better.

Can I get funded with a recent bankruptcy or tax lien?

Often yes, once the bankruptcy is discharged and a payment plan is in place on the lien. Lenders need documentation and an explanation, not a perfect history. Undisclosed items discovered in underwriting are what kill files.

How fast can I improve my score?

Utilization is the fastest-moving input. Bringing revolving balances under 30 percent — ideally under 10 — commonly moves a score 20 to 60 points within one or two reporting cycles. Disputing genuine inaccuracies and resolving collections with written pay-for-delete terms adds more over 60 to 90 days.

Should I take a merchant cash advance?

Only as a last resort, only once, and only if the capital produces a return inside the payback window. Stacking advances is the most common path from a fixable credit problem to an unfixable cash-flow problem.

Do you charge for credit repositioning advice?

No. The 90-day plan is part of the consultation. We are compensated by lenders when a deal funds, so our incentive is to get you fundable, not to sell you a monthly program.

Can my business build its own credit?

Yes, and it is the long-term answer. Register a D-U-N-S number, open net-30 vendor accounts that report to the business bureaus, pay early, and add an asset-backed facility with reported payment history. After 12 to 18 months the entity can borrow on its own file.

Challenged credit funding

When the score says no but the revenue says yes.

Below roughly 600, lenders stop underwriting your credit and start underwriting your deposits, receivables and assets. Alternative funding for challenged credit is real, it is more expensive, and it should always come with a written plan to reach better terms within twelve months.

Call (346) 861-4255 Book a consultation Fix My Credit Now

Min. FICO: 500
Funding speed: 24–72 hrs
Range: $10k–$500k
Plan included: 90-day

Contractor reviewing paperwork on the hood of her truck at a job site

A low score is a pricing problem, not a permanent one.

Every application is a decline

You keep applying to lenders whose minimums you don't meet, and each attempt adds an inquiry that makes the next one harder.

The only offers are advances

Merchant cash advances will always say yes. Taking a second and third one is how a credit problem becomes a solvency problem.

No path back

Nobody has told you what specifically to fix, in what order, and how long it takes to change the answer. That list exists and it's usually short.

Most of these files are fixable.

Our credit restoration team challenges every inaccurate, unverifiable and outdated item on your report, then rebuilds the file so lenders can say yes.

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Programs

What is genuinely available below 600.

Revenue-based term loan

Underwritten on bank statements and deposit consistency rather than your score. The most widely available real financing at this tier.

From 500 personal FICO
$10,000–$500,000 based on deposits
3–18 month terms
Funding in 24–72 hours

Invoice factoring

You sell verified invoices at a discount and the factor collects from your customer. Their credit carries the deal, so yours barely matters.

80–90% advanced against invoice value
Best-priced option for B2B with slow payers
Scales automatically with your sales
No fixed monthly payment

Equipment financing

The asset secures the loan, so approvals reach well below 600 with a larger down payment — and the payment history rebuilds the entity's file.

New and used equipment eligible
10–25% down typical below 600
24–72 month terms
Reports to business credit bureaus

Credit repositioning & entity credit build

The part most brokers skip. A written 90-day plan to lift the score and a 12-month plan to make the business borrowable on its own file.

Utilization and dispute strategy
Pay-for-delete negotiation guidance
D-U-N-S and net-30 vendor sequencing
Reassessment at 90 days at no cost

Want better terms instead of a workaround? Start credit restoration today and reprice every offer on this page.

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Qualification

What we look at instead of your score

Six or more months of deposit history in a business account
$10,000+ in average monthly deposits
Three or fewer negative days per month — this matters more than FICO here
Invoices to creditworthy commercial customers, if factoring applies
Full disclosure of existing positions, liens and judgments
Willingness to follow a 90-day plan rather than take the first offer

No hard credit pullConsultations use a soft review only.
No upfront feesWe're paid by lenders on funded deals.
One advisorNot a call center or a lead marketplace.
Your data stays hereWe never sell or resell your information.

Request a funding readiness consultation

A few questions. No documents, no application, no hard credit pull.

Full name

Business name (optional)

Mobile phone

Email

Average monthly revenue

Personal credit range

Which describes you best?

By submitting, you also agree we may call or email you about your funding request. Mobile opt-in data and consent are never shared with third parties or affiliates for marketing.

Or book a time instantly

Your information is used only to prepare your consultation. We never sell your data, and this request does not affect your credit score.

The climb out, in writing

Challenged-credit funding is supposed to be temporary. Every file we place at this tier carries a plan: dispute genuine inaccuracies, bring revolving utilization under ten percent, resolve collections with written terms, add a secured trade line, eliminate negative days in the business account, and start entity credit through vendors that report.

Owners who execute that plan typically move from a 1.35 factor product to a bank-statement term loan within nine months, and to a line of credit inside eighteen. The capital gets cheaper each round. That progression is the only real measure of whether the strategy is working.

Two things to refuse along the way. Refuse any lender or broker who asks for a large fee before funding — legitimate compensation arrives at close. And refuse to stack advances, no matter how easy the approval is.

How it works

Three steps. No application until it's worth filing.

Most funding sites push you into a form and sell the lead. We start with a conversation, because the right product depends on facts a form can't capture.

01

Funding readiness consultation

15–20 minutes, by phone

An advisor reviews your revenue, credit position, existing debt and timeline. No documents, no application, no hard credit pull. You leave the call knowing which products you actually qualify for today.

02

Your funding strategy

Same or next business day

We build a written plan: the specific programs to pursue, in what order, the realistic amount and cost of each, and what to fix first if a stronger approval is 30 days away.

03

Placement and close

24 hours to 90 days by product

We package your file, submit to the right lenders rather than every lender, negotiate terms, and stay on the file through funding. You get one point of contact, not a call center.

Questions

Straight answers before you call

: Revenue-based term loans start around 500 FICO with consistent deposits. Equipment financing is available below 600 with a larger down payment. Invoice factoring underwrites your customer's credit rather than yours, so your score matters least there. Unsecured lines and SBA loans generally need 650 to 680 or better.
: Often yes, once the bankruptcy is discharged and a payment plan is in place on the lien. Lenders need documentation and an explanation, not a perfect history. Undisclosed items discovered in underwriting are what kill files.
: Utilization is the fastest-moving input. Bringing revolving balances under 30 percent — ideally under 10 — commonly moves a score 20 to 60 points within one or two reporting cycles. Disputing genuine inaccuracies and resolving collections with written pay-for-delete terms adds more over 60 to 90 days.
: Only as a last resort, only once, and only if the capital produces a return inside the payback window. Stacking advances is the most common path from a fixable credit problem to an unfixable cash-flow problem.
: No. The 90-day plan is part of the consultation. We are compensated by lenders when a deal funds, so our incentive is to get you fundable, not to sell you a monthly program.
: Yes, and it is the long-term answer. Register a D-U-N-S number, open net-30 vendor accounts that report to the business bureaus, pay early, and add an asset-backed facility with reported payment history. After 12 to 18 months the entity can borrow on its own file.

Ready to stop being declined by the score?

Our credit restoration team disputes what should not be reporting and rebuilds what should — so the next application gets a different answer.

Fix My Credit Now

Get the fix list, not another decline.

One call gives you what's fundable today, what's fundable in ninety days, and the specific steps between the two. No credit impact, no cost.

Call (346) 861-4255 Book a funding consultation

Free consultation · No hard credit pull · Mon–Fri 9am–8pm CST · Sat 10am–2pm CST