Business Funding Without Credit Checks
Traditional lenders check your credit score. We work with funders who look at your business revenue instead. Get funded based on how your business performs, not your credit history.
How No-Credit-Check Funding Works
Revenue-Focused
Funders review your monthly revenue and bank statements instead of pulling your credit score.
Soft Pull
No hard inquiry on your credit report. Some funders perform no credit check at all.
Fast Approval
Get approved in hours, not weeks. Funding can be in your account same day.
Funding Options With No Credit Check
Merchant Cash Advance (MCA)
The most popular no-credit-check option. Get an advance based on your future credit card processing or daily revenue.
Revenue-Based Financing
Similar to MCA but with fixed terms. Repay based on a percentage of monthly revenue.
Business Line of Credit
Some funders offer lines of credit with minimal credit checks. Pull funds as needed, pay interest only on what you use.
Equipment Financing
Equipment serves as collateral. Funders focus on the equipment value, not your credit.
What Funders Actually Care About
Monthly Revenue
Most funders require minimum $10K/month in revenue
Time in Business
Usually 3-6+ months in business required
Bank Statement Consistency
Regular deposits and healthy account balances
Credit Card Processing
For MCA: consistent CC processing volume helps
Frequently Asked Questions
Does "no credit check" really mean no credit check?
Most MCA funders do not pull your credit score at all. Some may do a soft pull just to verify identity, which does not affect your credit. We can match you with funders who perform no credit check whatsoever.
What's the catch?
No-credit-check funding typically comes with higher factor rates than traditional loans because the funder is taking on more risk. However, the approval odds are much higher and funding is much faster.
How much can I get?
Funding amounts range from $5,000 to $500,000+ depending on your monthly revenue. Most MCA funders advance 100-150% of your average monthly revenue.
How fast can I get funded?
Some funders offer same-day approval and funding. Once approved, funds can be in your account within 24-48 hours.
Ready to Get Funded?
Skip the credit check. Let us match you with funders who fund based on your business performance.
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