Business Funding With Bad Credit (2026): What Actually Approves

Key Takeaways

• Bad credit closes the bank door, not every door. Banks and SBA lenders underwrite the score first; cash-flow funders underwrite the deposit tape first. Sub-620 operators with real revenue routinely get funded — just not by the institution that keeps declining them.
• Your bank statements outrank your FICO in this lane. Deposit consistency, average daily balance, negative days, NSF pattern, and existing funder pulls decide most small-ticket files. A 540 with a clean $18K/month tape beats a 660 living at negative $400.
• Match the product to the damage. Revenue-based advances and receivables purchases fund fast at low scores. Invoice factoring underwrites your customer, not you. Equipment financing leans on the asset. CDFI microloans forgive credit but move on institutional time.
• Price total dollars out, not the approval. Bad-credit capital costs more than bank capital — that is the honest trade for speed and access. The question is never "did I get approved," it is "can my worst four weeks carry this remittance."
• Quickie funds $1,000-$25,000 as a purchase of future receivables with a soft pull to start, decisions in minutes on qualified files, and a FICO hard stop below 450 under current policy. Qualified files only — no funding guarantees. Full terms at disclosures.

Start here if you want the map instead of the article: business funding with bad credit.

The declines you have been getting are a product mismatch, not a verdict

Here is what usually happens. An operator with a 540 FICO and $22,000 a month running through the business account applies at their bank. Declined. Applies at a second bank. Declined. Applies at a credit union, at an SBA-preferred lender, at whatever came up first on Google. Declined, declined, declined. By application number five they have collected four hard inquiries, a fair amount of shame, and a working theory that they are unfundable.

They are not unfundable. They keep knocking on doors built to answer a different question.

A bank underwrites the borrower. That is the whole institutional design: regulated capital, long amortization, thin margin per loan, so the model leans hard on credit score, time in business, debt service coverage, and often collateral outside the business. A 540 FICO fails that model on the first screen, and no amount of explaining what happened in 2023 changes the screen.

A cash-flow funder underwrites the cash. Different capital, different duration, different risk tolerance. The question stops being "what does this owner's credit history predict about a five-year note" and becomes "does this account reliably produce enough deposit volume to carry a small fixed weekly draw for the next four months." Those are genuinely different questions, and a lot of operators who fail the first pass the second cleanly.

That is the reframe this entire guide runs on. You are not shopping for someone willing to overlook your credit. You are shopping for a product whose underwriting logic was never centered on your credit in the first place. The Federal Reserve's Small Business Credit Survey has documented this split for years: credit availability is the top-cited financial challenge for small firms, approval rates at large banks lag online lenders substantially for lower-credit-tier applicants, and the gap widens as scores drop. That is not a loophole. It is two different lending industries operating on the same street.

The trade is real and you should hear it plainly: cash-flow capital costs more than bank capital. You are paying for speed, for access, and for a funder who takes the risk your bank would not. What you should never accept is paying more and not knowing what you are paying. This piece is about getting funded without getting taken.

What actually approves, by FICO tier

Before anything else, find your row. This table is about structural fit — which underwriting model can say yes to you at all — not a promise from any specific provider.

FICO tier	Bank / SBA 7(a)	Online term loan	Business line of credit	Revenue-based / receivables purchase	Invoice factoring	Equipment financing
720+	Realistic; best pricing	Realistic	Realistic	Available, usually not the cheapest option	Available	Realistic
680-719	Possible with strong DSCR and 2+ years	Realistic	Realistic	Available	Available	Realistic
620-679	Difficult; SBA occasionally with strong collateral	Common landing zone	Possible, tighter limits	Strong fit	Available	Common
560-619	Effectively closed	Some desks, priced up	Rare; usually declined	Primary lane	Strong fit	Possible, larger down payment
500-559	Closed	Rare	Closed	Primary lane	Strongest fit if you invoice	Possible with asset value and down payment
Below 500	Closed	Closed	Closed	Case-by-case on cash flow; Quickie hard stop below 450	Possible — customer credit governs	Case-by-case; asset-driven

Two honest notes on reading that table. First, time in business and deposit volume move rows. A 590 with four years of history and $40K monthly deposits gets treated very differently than a 590 with seven months and $6K. Second, nobody in the bottom three rows is getting the cheapest money in the market, and any page telling you otherwise is farming clicks.

If you want the side-by-side with more product detail, we maintain it at bad credit business funding options.

What operators are actually searching for — the 2026 demand picture

We do not guess at what this audience wants. We pull it. The cluster below comes from DataForSEO Labs Keyword Overview, United States, English, August 18, 2026.

Keyword	Keyword Difficulty	Search intent
bad credit business loans	8	commercial
business loans for bad credit	8	commercial
business funding with bad credit	21	commercial
working capital loan bad credit	31	commercial

Read that difficulty spread carefully, because it says something useful about the market. The two highest-volume phrasings — "bad credit business loans" and "business loans for bad credit" — carry a KD of 8, which is remarkably soft for commercial-intent money queries. That is not because nobody wants the traffic. It is because the incumbent pages ranking there are thin affiliate roundups with weak topical depth, and the SERP has never been consolidated by anyone doing real underwriting explanation.

The difficulty climbs as the phrasing gets more specific and more operator-shaped: "business funding with bad credit" at KD 21, and "working capital loan bad credit" at KD 31. Higher difficulty on the more precise query usually signals that the people searching it are further down-funnel and the pages competing for it are better funded. In plain terms: the person typing "working capital loan bad credit" already knows what working capital is, already knows their credit is the obstacle, and is trying to solve a specific problem this week. That is the reader this article is written for.

One methodology caveat we are not going to bury. On the August 18, 2026 pull, the Google Ads search_volume fields came back null for several of the bad-credit phrases. That happens — Ads data suppresses or omits volume for certain query shapes, and null is not the same as zero. We are not going to invent numbers to fill the gaps. What we do have from that pull is keyword difficulty, search intent classification, and SERP competition, and those three together are enough to shape a piece: they tell us the intent is commercial, the competition is beatable on depth, and the audience is transactional rather than academic.

The adjacent head terms that frame the money

For volume context we lean on prior August 2026 DataForSEO Labs pulls covering the broader funding cluster:

Adjacent head term	Monthly volume	Intent
working capital	12,100	informational
merchant cash advance	6,600	commercial
business funding	4,400	commercial
same day business funding	1,300	commercial
fast business funding	390	commercial

Look at the shape of that demand. "Working capital" at 12,100 is overwhelmingly informational — people learning the concept. "Merchant cash advance" at 6,600 is commercial and enormous relative to the bad-credit phrasings, which tells you something important: a large share of the bad-credit audience eventually lands on MCA-shaped products whether or not they searched for them by name. "Business funding" at 4,400 is the broad commercial head term, and the speed modifiers — same day at 1,300, fast at 390 — narrow to urgency.

That is the whole customer journey compressed into five rows. Someone learns what working capital is, discovers their credit blocks the traditional door, searches bad-credit phrasings, ends up evaluating advances, and filters by speed because the reason they are searching at 11pm is that something is due. If you recognize yourself in that path, you are in exactly the right place — and we have written the speed side separately at fast business funding.

Product-by-product: what each door actually costs you

Revenue-based funding, MCA, and purchase of future receivables

What it is. A funder buys a defined portion of your future revenue at a discount. You receive a lump sum now; you remit on a fixed schedule (weekly ACH is the cleaner modern shape) or as a percentage of daily card settlement (the older MCA shape) until the agreed total is delivered. It is a commercial purchase of receivables, not a consumer loan, and the legal structure genuinely differs from a term loan.

Why it approves bad credit. Because the underwriting reads deposits, not scores. If $18,000 a month reliably lands in the account and the balance does not spend half the month underwater, the file can work at a 520 that no bank would open.

Honest pros. Fastest realistic path from application to money in the account. Minimal documentation — usually bank data plus verification, not a tax-return packet. Total payback is a fixed dollar figure you can see before signing rather than a floating rate. Approval logic you can actually influence in 60 days by cleaning your tape.

Honest cons. It is expensive relative to bank credit, and pretending otherwise is how operators get hurt. The remittance is fixed weekly on most modern products, meaning a slow week still owes the same draw — that is a real cash-flow constraint you must model. Terms are short, usually measured in months, so the dollars-per-week bite is meaningful. And the category has a stacking problem: it is technically easy to take a second and third advance, which is the single most reliable way to destroy an otherwise healthy business. We wrote the autopsy at MCA stacking, the quiet killer.

Who should take it. An operator with a specific, dated, revenue-producing use of funds — inventory for a known order, a repair that restores capacity, payroll across a documented receivables gap — who has run the weekly remittance against their worst four weeks and it still clears. If you are curious whether the category itself is legitimate, we answered that directly at is a merchant cash advance legit.

Online term loans

What it is. A fixed-amount loan with fixed payments over a fixed term from a non-bank online lender. Structurally the same animal as a bank loan, underwritten faster and with more risk tolerance.

Honest pros. Amortizing structure means every payment reduces principal, which is psychologically and financially cleaner than a factor-based payback. Many desks report to commercial bureaus, so performance can build business credit. Terms run longer than advances, so the periodic payment is lighter.

Honest cons. The credit floor is real. Most online term desks want something in the 600s, which puts them out of reach for the operators this article is centered on. Several convert to a hard pull at some stage. Documentation is heavier than an advance — expect tax returns or financials on larger tickets.

Who should take it. Operators in the 620-680 band with two-plus years in business who can wait a few business days. Below 600, this door is usually theoretical. Our fuller treatment lives at business loans for bad credit.

Business lines of credit

What it is. Revolving capacity you draw against and repay, then draw again. Interest or fees typically accrue only on the drawn balance.

Honest pros. Genuinely the best structure for uneven needs — seasonal swings, gap financing, opportunistic buys. You pay for what you use. Repeated responsible use builds a real credit relationship.

Honest cons. This is the hardest product on the list to obtain with damaged credit. Revolving capacity is expensive for the provider to reserve, so they price the risk with underwriting stringency rather than fees, and most LOC desks want 600-plus and clean recent history. Limits granted at the bottom of the credit range are often too small to matter. Some lines carry maintenance or draw fees that make small, frequent draws inefficient.

Who should take it. Operators who have already rebuilt into the 620-plus range and have lumpy, recurring capital needs. If your need is one defined event, a line is the wrong shape anyway.

SBA microloans and CDFI lending

What it is. SBA microloans (up to $50,000, delivered through nonprofit intermediaries) and Community Development Financial Institution loans are mission-driven capital explicitly built for operators conventional lenders decline — including for credit reasons.

Honest pros. Dramatically cheaper than any fast-money product. Many CDFIs will fund in the 550-620 range with a strong narrative, a business plan, and demonstrated character. Most include free technical assistance — advisory, bookkeeping help, planning — that has genuine standalone value. They report to bureaus, so this is a real rebuild path.

Honest cons. Time. Weeks, sometimes months, from application to funding. Heavy documentation, often including projections and a written plan. Many CDFIs are geographically restricted or industry-focused. If your problem is due Friday, this is not your answer this week — but it may be exactly your answer for next year.

Who should take it. Every operator with damaged credit should start a CDFI application in parallel with whatever fast product they take now. Solving this week and solving next year are separate projects and you can run both.

Equipment financing

What it is. Financing secured by the equipment itself — vehicles, machinery, kitchen build-outs, medical devices, production gear.

Honest pros. The asset carries much of the underwriting weight, so credit requirements soften considerably. Terms match the useful life of the asset, keeping payments manageable. Potential tax treatment on depreciation is worth a conversation with your accountant.

Honest cons. Restricted use — you cannot buy inventory or cover payroll with it. Weak credit usually means a larger down payment, often 10-20 percent or more. The lender holds a security interest in the asset, so default means repossession of the thing your revenue depends on. Slower than an advance, though faster than a bank.

Who should take it. Anyone whose capital need actually is an asset. Using general working capital to buy equipment when equipment financing is available is usually the more expensive path.

Invoice factoring

What it is. You sell outstanding B2B or B2G invoices to a factor at a discount and receive most of the face value immediately, with the remainder (minus the fee) when your customer pays.

Honest pros. The factor underwrites your customer, not you. This is the single most credit-forgiving product in commercial finance. If you invoice a hospital system, a municipality, or a national chain, your personal FICO is close to irrelevant. Capacity scales automatically with your sales. No new debt is created on the balance sheet in a traditional factoring structure.

Honest cons. Requires B2B or B2G invoicing — useless for restaurants, retail, and most direct-to-consumer service businesses. Notification factoring means your customer learns you are factoring, which some operators find commercially awkward. Recourse versus non-recourse matters enormously: with recourse, you eat the loss if your customer does not pay. Concentration in one large customer can limit capacity.

Who should take it. Any B2B or B2G operator with damaged credit and slow-paying creditworthy customers. This is chronically under-used by exactly the businesses it fits best.

What a cash-flow underwriter actually reads

If you take one section from this piece, take this one. When your file hits a cash-flow desk, a small number of things decide the outcome, and every one of them is visible in your bank statements right now.

Deposit volume and consistency. Not just the total — the shape. Twelve deposits a month averaging $1,500 reads as a functioning business. One $18,000 deposit and silence reads as something else that needs explaining. We are looking for third-party money arriving on a rhythm. Wires, ACH credits, Zelle from customers, card settlement, check deposits — all of it counts. You do not need a Square or Stripe feed to be fundable.

Average daily balance. This is the quiet heavyweight. ADB tells us what cushion exists to absorb a fixed weekly draw. A business with $30,000 monthly deposits and a $300 ADB is spending every dollar the day it lands, which means the remittance has nothing to land on. A business with $14,000 deposits and a $4,000 ADB is far more fundable. Balance beats volume more often than operators expect.

Negative days. The count of days the account closed below zero. This is the strongest single predictor we track. Our own book audit found that files with eight or more negative days combined with an ADB under $800 missed at roughly a 63 percent rate. That combination is a decline or a floor-sized offer, not a normal approval, and no FICO score rescues it.

NSF pattern, not NSF count. Two NSFs in a month on an account that otherwise carries a balance is noise. Ten NSFs clustered around the first and fifteenth is structure — it says obligations already exceed what the account can clear, and adding a weekly draw makes it worse.

Existing funder load. We look for other advances: daily debits, weekly ACH pulls with lender-shaped descriptors, advance-app activity. Then we net it. If existing weekly remittance across all funders already consumes something like 12 percent of average daily balance, that is a sizing constraint on any new offer — sometimes a hard stop. Undisclosed positions found on the tape are worse than disclosed ones, because now we are also underwriting your candor. Read reading bank statements like an underwriter and go do this exercise on your own account before you apply anywhere.

Owner-to-self transfers. Large P2P sweeps from the business account to the owner's personal account, particularly when little third-party money remains behind, are a hard stop at most serious desks. It reads as the business being a pass-through rather than an operating entity.

And yes, we still look at credit. Not as the gate, but as context. A recent bankruptcy, an open tax lien, active judgments, a charged-off advance from another funder — those change sizing and sometimes change the answer. What credit does not do in this lane is override a strong deposit tape all by itself.

Soft pull versus hard pull — know which one you just authorized

A soft pull does not affect your score, does not appear as an inquiry to other lenders, and can be run for prequalification with your permission. A hard pull is recorded on your report, can cost a few points, and stays visible for two years. Multiple hard pulls in a short window read as credit-shopping distress — which is precisely the wrong signal to send while you are trying to get funded.

This matters more when your credit is already damaged, because you have less margin to donate. Practical rules:

1. Ask before you apply, in writing: is this a soft pull or a hard pull, and does it convert at any stage?
2. Treat any application that will not answer that question as a decline you issued to them.
3. Do not spray applications across eight desks in a week. Pick two or three that fit your tier and your product need.
4. Pull your own reports free at AnnualCreditReport.com first, so you know what the desk is looking at.

Quickie starts with a soft pull. Checking whether you qualify does not cost you points. The mechanics are laid out at soft vs hard credit pulls.

Where Quickie fits, stated plainly

We are a direct funder, not a marketplace, and this is our lane:

• $1,000 to $25,000 per advance. Small-ticket by design. If you need $150,000, we are not your desk and we will say so.
• Purchase of future receivables — commercial funding, not a consumer loan. You are selling a defined slice of future revenue at a discount, and the agreement says exactly that.
• Soft pull to start. Seeing whether you qualify does not touch your score.
• Decision in minutes on qualified files. We read bank data directly; there is no document scavenger hunt for a standard file.
• FICO hard stop below 450 under current policy. Above that, credit is an input we weigh — below it, we do not fund. That is a policy line, not a negotiation.
• Factors commonly in the 1.38-1.49 range by grade. That is the shape of our policy band, not a quote. Your written offer is the only number that governs.
• 7.5 percent origination, disclosed on the offer before you sign.
• Owner guaranty plus a UCC-1 filing. We do not market ourselves as "no collateral," because that would not be true. The UCC-1 is public notice of a security interest in business assets. It is standard in commercial funding and you should know it is coming. Everything is spelled out at disclosures.
• Fixed weekly ACH, with the total payback shown as a dollar figure before signature.

What we will not tell you: that you are approved before we have seen your file, that funding is guaranteed, or that we can beat a rate we have not seen. Offers apply to qualified files only, and the written offer controls over anything on this page.

Where we tend to fit best: operators in the 450-620 band with real deposit activity, a defined short-cycle use of funds, and enough average daily balance to carry a modest weekly draw. Where we fit badly: files that need $50,000-plus, files with no business deposits at all, and files where the existing weekly funder load already exceeds what the account can absorb.

The cost conversation, done honestly

Bad-credit capital costs more. Here is how to think about it without anyone waving an invented competitor APR at you.

Advances are not quoted in APR, and converting them is misleading in both directions. A receivables purchase quotes a factor — multiply the advance by the factor to get total payback. Take $10,000 at a 1.42 factor: total payback is $14,200, so the cost of capital is $4,200. Add a 7.5 percent origination on $10,000 and you are looking at $750 more. Those are the real dollars. That is the number to argue with.

Then convert to the only metric that matters operationally: dollars per week against deposits. Spread $14,200 over 16 weeks and you are remitting roughly $888 a week. Now go pull your worst four weeks of deposits from the last six months — not your average, your worst — and ask whether $888 clears alongside payroll, rent, and every supplier draft. If it does not, the correct move is a smaller advance, not a longer prayer.

Why we will not print competitor rates. Because we do not have your offer from them, pricing is file-specific across this entire category, and publishing a number we cannot source is how comparison content becomes fiction. What we will tell you is how to compare: get total dollars out, remittance amount and cadence, every fee itemized, and early-payoff treatment in writing from each provider, then lay them side by side. A funder that will not put those four things in writing has told you everything you need to know.

Is expensive capital ever correct? Yes — when it produces more than it costs, on a timeline you can name. Paying $4,950 to unlock a $40,000 order is arithmetic. Paying $4,950 to cover a shortfall you cannot explain is a slower version of the same problem. We built the full framework at what does business funding cost.

The comparison that actually matters is not "advance versus bank loan" — you were declined by the bank, so that comparison is hypothetical. It is "advance versus not doing the thing." Sometimes not doing the thing is genuinely cheaper. An underwriter who tells you that occasionally is worth more than one who never does.

The 90-day playbook: get funded now, get funded better later

Run these two tracks simultaneously. They do not conflict.

Days 1-7 — Diagnose before you apply

Pull all three credit reports free at AnnualCreditReport.com and dispute anything inaccurate; errors are common and disputes are free. Pull your last four months of business bank statements and count, by hand: total monthly deposits, number of deposit days, lowest balance each month, negative days, NSF count. Write those numbers down. That page is what a funder sees. Then define the use of funds in one sentence with a dollar figure and a date. If you cannot write that sentence, you are not ready to borrow.

Days 8-21 — Clean the tape, then apply to the right door

Stop the bleeding on negative days first — even moving from six to two changes your sizing materially. Route every dollar of revenue through the business account; deposits you take personally are deposits we cannot see or credit you for. Cancel the subscriptions triggering NSFs on the first and fifteenth. Then apply to two or three desks that match your tier from the table above, not eight. Insist on soft pulls. Read the actual agreement — guaranty language, UCC filing, remittance schedule, payoff terms.

Days 22-45 — Deploy and prove it

Use the money for the thing you wrote down. Every remittance hits on time — this is the entire ballgame for what happens next. Track the return on the deployment in real numbers so the next conversation is evidence rather than optimism.

Days 46-90 — Build the next door

Start a CDFI or SBA microloan application now, while you are performing; it takes weeks, which is exactly why you start early. Open a secured business credit card and run one small recurring charge paid in full monthly. Confirm your business has a D-U-N-S number and that suppliers who report are reporting. Keep personal utilization under 30 percent — it is the fastest-moving lever on a damaged score.

At Quickie specifically, clean payment history is how the relationship grows. Larger amounts and better grades come from performance on the current round, not from asking harder. That is not a policy we invented to be strict; it is the only signal that actually predicts the next file.

Scams, traps, and the mistakes that cost the most

"Guaranteed approval, no credit check." No legitimate commercial funder guarantees approval before seeing a file. This language exists to harvest applications and sell your data. Every real desk qualifies its language — "qualified files only" — because underwriting is a decision, not a promise.

Any upfront fee to apply. Legitimate funders take origination out of the funded amount, disclosed on the offer. A request to wire money before funding arrives is the oldest fraud in the category. Walk.

Stacking your way out of a hole. Taking advance two to make payments on advance one is the most common terminal mistake in this business. Combined remittance across funders is the number that kills accounts. If you are considering it, read MCA stacking first and then do not do it.

Sizing to the maximum offered instead of to the need. If you need $8,000 and someone offers $20,000, taking $20,000 means paying for $12,000 you did not have a plan for. The remittance scales with the advance.

Signing without reading the guaranty and security language. You should know before signing whether there is a personal guaranty, what a UCC-1 covers, and what default remedies exist. Not knowing is not a defense.

Confusing consumer credit repair with business funding. Companies promising to "erase" bad credit or sell you a "CPN" are selling you a federal crime. There is no legal shortcut around a credit file.

Believing that being declined once means declined everywhere. The most expensive mistake on this list. A bank decline is a bank's answer to a bank's question. It says almost nothing about whether your cash flow supports a small weekly remittance.

Who this guide is for, and who it is not for

This is for you if you run a real operating business with deposit history, your credit is somewhere between damaged and destroyed, you need somewhere between $1,000 and $25,000 on an operating timeline, and you are willing to read an agreement before signing it.

This is not for you if you need consumer debt relief dressed up as business funding, you have no business deposits on the bank tape at all, you are looking for a guarantee, or your plan requires a funder to not notice something. None of those end well, and pretending otherwise would not be doing you a favor.

Where to go from here

If your credit is rough and your deposits are real, the fastest way to find out where you actually stand is to let a desk read the tape. Quickie starts with a soft pull, decides in minutes on qualified files, and funds $1,000-$25,000 as a purchase of future receivables with the total payback shown before you sign.

Check what you qualify for — soft pull, no score impact to look.

Commercial funding only. Not a consumer loan. Qualified files only; no funding guarantees. Your written offer and disclosures control.

Keep exploring

• Topic hub: Business funding with bad credit
• Compare: Bad credit business funding options
• Compare: Same-day business funding options
• Topic hub: Fast business funding
• Related: Business loans for bad credit
• Related: Best fast business funding $1k-$25k
• Related: Soft vs hard credit pulls
• Related: Reading bank statements like an underwriter
• Related: MCA stacking, the quiet killer
• Related: What does business funding cost
• Related: Is a merchant cash advance legit
• Ready now: Apply

Sources & methodology

Keyword and demand research. DataForSEO Labs Keyword Overview, United States, English, August 18, 2026 (live pull). Keyword difficulty and search-intent classification used in this article and the KD chart:

Keyword	Keyword Difficulty	Intent
bad credit business loans	8	commercial
business loans for bad credit	8	commercial
business funding with bad credit	21	commercial
working capital loan bad credit	31	commercial

Google Ads search_volume returned null for several of these bad-credit phrases on the August 18, 2026 pull. Null is not zero — Ads data omits or suppresses volume for certain query shapes. We did not substitute estimated or invented volumes. Keyword difficulty, intent classification, and SERP competition from the same pull were used to shape scope and structure.

Adjacent head-term volumes are carried from prior August 2026 DataForSEO Labs Keyword Overview pulls (United States, English): working capital 12,100; merchant cash advance 6,600; business funding 4,400; same day business funding 1,300; fast business funding 390.

Credit availability context. Federal Reserve Banks — Small Business Credit Survey is the primary public source on small-firm application, approval, and denial patterns by credit-risk tier, and on the approval gap between large banks and online lenders for lower-tier applicants. We cite the direction and structure of those findings, not point estimates attributed to a specific year's report.

Consumer credit reports. AnnualCreditReport.com is the federally authorized source for free credit reports from Equifax, Experian, and TransUnion. Any site charging you to see your own report is not that site.

Federal funding programs. U.S. Small Business Administration — Funding Programs covers SBA microloans and related paths referenced above.

Quickie product policy. Purchase of future receivables in the $1,000-$25,000 band; soft pull at start; decisions in minutes and same-day to next-business-day funding on qualified files; FICO hard stop below 450 under current policy; factor bands commonly 1.38-1.49 by grade (policy shape, not a quote); 7.5 percent origination; fixed weekly ACH; owner guaranty and UCC-1 security interest in business assets. Full terms at /legal/disclosures. Your written offer controls over anything summarized here.

Product category descriptions (online term loans, lines of credit, SBA microloans and CDFI lending, equipment financing, invoice factoring) reflect general category structure and typical underwriting posture as of August 2026.

What we deliberately do not do. We do not publish competitor APRs, factor rates, fee schedules, or approval odds that we cannot source to that provider's own disclosure or to your personal written offer. We do not state or imply funding guarantees. Nothing on this page is a commitment to fund, an offer, or a consumer credit product.