Step by step
- Pull your credit report and correct errors
- Gather 3–4 months of business bank statements
- Minimize overdrafts for 60–90 days
- Apply for revenue-based or collateral-backed products
- Compare multiple offers on total cost
Products that accept lower credit
MCAs, invoice factoring, equipment financing and some revenue-based financing often consider scores of 500–600.
Improve your odds
Underwriters look closely at average daily balance, deposit consistency and existing debt. A short track record of clean statements can matter as much as your score.
Frequently asked questions
See what your business qualifies for
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BusinessFundingQuote Editorial Team
Small business finance writers
Reviewed by
Funding Review Desk
Reviewed for accuracy against current market practices
Rates and ranges on this page are typical market estimates for educational purposes, not offers. How we make money.