Revenue-Based Capital All Credit Profiles Considered
Approval based on cash flow, not just credit scores. Get $5,000 to $250,000 in working capital backed by your business deposits.
Check My Eligibility →- Approval based on cash flow, not just credit scores
- Credit profiles from 500+ considered
- Secure bank connection via Plaid
- Pre-qualification soft inquiry (no credit score impact)
Your Business Health Matters Most
In commercial financing, revenue and monthly bank deposits carry far more weight than personal credit. Here is what our funding partners look at.
Monthly Revenue
$10,000+ in monthly gross sales. $12,500+ opens up the widest range of funding partners.
Time in Business
3+ months in business, with 6+ months preferred by most partners.
Credit Profile
Credit scores from 500 and up are considered. Your cash flow carries more weight than your score.
Bank Activity
3 months of business checking activity, connected securely through Plaid in seconds.
Options Built Around Cash Flow
Revenue-Based Working Capital
Capital sized to your monthly deposits.
Merchant Cash Advance
An advance on future sales, repaid as a share of revenue.
Short-Term Business Loans
Fixed payback for near-term needs.
Equipment Financing
Funding secured by the equipment you buy.
Invoice Factoring
Turn unpaid invoices into cash now.
Funding in as Little as 24–48 Hours upon Approval
- 1
Apply in minutes
Tell us about your business and how much you need.
- 2
Connect your bank
Link your business checking through Plaid so partners can see your real cash flow.
- 3
Get matched
We route your application to funding partners that evaluate revenue first.
Funding timelines follow approval and vary by partner, product, and your bank's processing times.
Learn how revenue-based financing works or compare a merchant cash advance.
Frequently Asked Questions
What is revenue-based financing?
Revenue-based financing is business funding sized to your monthly deposits and cash flow rather than your credit score. Funding partners look at how much your business brings in each month, not just your FICO, which makes it an option for businesses that don't qualify for traditional bank loans.
Can I qualify with a credit score under 600?
Yes. Our revenue-based capital partners consider credit profiles from 500 and up. What matters most is consistent business deposits in your connected bank account.
What do funding partners look at instead of my credit score?
Monthly gross revenue, time in business, and the deposit history in your business checking account. Connecting your bank through Plaid lets partners review that activity without manual statement uploads.
How fast can I get funded?
Funding speed depends on the lending partner you're matched with and your product. Once you accept an offer, your partner will give you a specific funding timeline before you sign anything.
Will checking my eligibility affect my credit score?
No. Pre-qualification uses a soft inquiry, which does not affect your credit score.
Let Your Revenue Make the Case
Connect your bank, show your deposits, and see the working capital your business qualifies for.
Check My Eligibility →