Your credit score does not tell the whole story. SMB Capital Funding approves businesses based on bank deposits and revenue — not FICO scores. No hard inquiry. No credit score minimum. Just your business performance.
Traditional lenders make credit score the gatekeeper. At SMB Capital Funding, your business bank account tells a more complete story than a three-digit number. Our underwriting team focuses on deposits, cash flow patterns, and revenue consistency — not your personal credit history.
When you apply, we perform a soft credit check that does not appear on your credit report and has zero impact on your score. Your FICO stays exactly where it is. Hard inquiries only happen later if you choose to proceed with an offer.
We underwrite based on what your business actually earns. Three months of bank statements show us your deposit patterns, average daily balances, and cash flow health. Strong revenue can overcome almost any credit challenge.
Unlike lenders with hard 600 or 650 minimums, we evaluate every application holistically. Business owners with scores in the 400s have been approved when their revenue profile was strong enough.
Without a lengthy credit review process, approvals happen faster. Most applications receive a decision same day. Funds arrive within 24 hours of acceptance for qualified applicants.
Instead of fixating on your credit report, here is what determines your approval and funding amount:
Total deposits over the past three months. Higher and more consistent deposits translate to larger funding amounts and better terms.
How much cash sits in your account on an average day. This shows us whether your business maintains healthy reserves or runs close to zero.
Days where your account balance goes negative. A few is normal — chronic negative balances can affect the offer amount.
Current business funding payments that debit from your account. We calculate net cash flow after existing obligations to determine what you can handle.
We perform a soft pull which is technically a credit inquiry, but it does not appear on your credit report visible to other lenders and has zero impact on your FICO score. It is functionally invisible. A hard pull only happens if you accept an offer and move to final approval.
Applicants with very low credit scores are evaluated on business performance. If your bank deposits show $15K+ per month in consistent revenue with manageable obligations, you may still qualify. We have approved applicants in the 400s.
No. SMB Capital Funding does not require real estate, equipment, or inventory as collateral. Your business revenue stream is the basis for qualification.
Three months of business bank statements and a basic application. No tax returns, no profit-and-loss statements, no business plan, no projections.
Funding amounts range from $10,000 to $2,000,000 based on your revenue. The typical range for applicants using our no-credit-focus programs is $15K to $250K.
Programs specifically designed for business owners with credit challenges.
Emergency capital deposited the same day you apply.
Payments that flex with your sales volume — pay less during slow periods.
SMB Capital Funding is a DBA of CHC Capital Group. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.
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