Working capital, built for bad credit business
Your revenue tells a story your score doesn't
A rough credit stretch is behind you, but the deposits never stopped — and the next opportunity won't wait for your score to recover.
We weigh business revenue and bank activity first; credit is one input, not the gatekeeper.
- Revenue weighed first
- Past issues don't auto-disqualify
- A real specialist reviews it
You may qualify. Approval depends on underwriting. No obligation to accept an offer.
What happens after you check
- Reviewed on revenue & bank activity
- Share 3–4 months of statements if it looks viable
- A specialist follows up — no obligation
Sound familiar?
The deposits kept coming. The 'no' still came anyway.
The score from a rough stretch follows you around long after the business recovered. Here's where owners feel that mismatch most.
Your statements show steady deposits month after month, but one number on a credit report keeps deciding the conversation before anyone looks at the revenue.
Here the review weighs business revenue and bank activity first — a real specialist reads the deposits, so credit is one input, not the gatekeeper.
An opportunity lands — inventory, a contract, a piece of equipment — and you're watching it pass because you assume your credit already answered for you.
With options reviewed on revenue, past credit issues don't automatically disqualify the file, so you can find out where you stand before the window closes.
Current payments are tight and you're quietly juggling which one slips this week, sure that asking for help just means another hard no.
A specialist can review your file and walk through options that fit your cash flow — past stumbles don't end the conversation before it starts.
You may qualify based on revenue and bank activity, not credit alone. Credit is still considered, there's no guaranteed approval, and there's no obligation to accept an offer.
60-second cash-flow stress test
How would your cash flow handle a bad week?
Use your average monthly deposits — credit isn't part of this estimate. Four questions for a live range. Six quick taps — no credit pull, and nothing is saved until you choose to continue. You'll see exactly where your cash flow is exposed, and what to do about it.
Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.
Prequalification
Start your prequalification
About 2 minutes. A specialist reviews your file based on revenue and bank activity.
Tell us about your business
Quick questions to start — no obligation.
Important disclosure
This is not a commitment to lend and is not a bank loan. Funding options, amounts, and timing depend on underwriting and documentation; approval is not guaranteed. Any payments must fit your business cash flow. Submitting your information places you under no obligation. A funding specialist may contact you to review your inquiry. See our disclosures and privacy policy.
Common uses
What bad credit business owners use working capital for
Working capital
Access working capital even when credit isn't perfect.
Cover a cash crunch
Bridge a short-term gap so operations keep running.
Manage tight payments
Review options when current payments are tight on cash flow.
Payroll
Keep your team paid through a rough stretch.
Fund a recovery
Invest in inventory, equipment, or marketing to recover and grow.
Funding options
One conversation. The funding option that actually fits.
There's no single right way to fund a business — it depends on what the money is for and how you get paid. A funding specialist reviews your file and matches you to the option that fits your cash flow, starting with the one most small businesses reach for first.
Working Capital Advance
Most popularBest when you need to cover a gap or move on an opportunity fast.
Funding based on your revenue and bank activity rather than credit alone, repaid as a small, automatic share of your deposits — so it flexes with a slow week instead of fighting it. A factor rate (not an APR) sets the cost up front; you may qualify, and approval depends on underwriting.
Business Line of Credit
Best when the need is recurring and you want to draw and repay as cash flow moves.
A revolving limit you draw from when you need it and pay down when you don't, so capital is there for the next gap without reapplying. You only carry what you actually use; access and terms depend on underwriting.
Term Loan
Best when you have a defined, one-time use and want a predictable monthly payment.
A fixed amount repaid over a set term in predictable payments — straightforward to plan around for a specific project or purchase. Amount and term depend on underwriting and the strength of the file.
Equipment Financing
Best when you're buying equipment — new or used — and want to preserve cash.
Finance the truck, oven, chair, or machine so you can put it to work now while keeping cash free for payroll and the day-to-day. The equipment itself typically anchors the deal; new and used both qualify, subject to underwriting.
Invoice Factoring
Best when capital is tied up in unpaid invoices and you can't wait on net-30/60.
Turn outstanding invoices into cash now instead of waiting weeks for customers to pay, so a slow-paying client doesn't stall payroll or your next job. Availability is based on your receivables and your customers' credit, subject to review.
FundVella is not a lender. We connect business owners with funding specialists who review your file and match you to available options. A factor rate is not an APR. You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept an offer.
What we look at
How files are reviewed
Reviews are based on business revenue and bank activity — not a single number. Here's what tends to matter most.
Revenue first
Business revenue and deposits carry the most weight in the review.
Bank health
Recent NSFs and negative days matter more than the score itself.
Time in business
Operating history strengthens the file regardless of credit.
Underwriting weighs business revenue and bank activity heavily, so past credit issues don't automatically disqualify a file. Credit is still considered.
Is this a fit?
Good fit vs. may need a closer look
A “may need review” doesn't mean no — it just means a specialist will look closer.
Often a good fit
May need review
- Time in business
- 6+ months operating
- Time in business
- Brand new / under 3 months
- Monthly deposits
- Steady despite credit history
- Monthly deposits
- Low or inconsistent deposits
- Bank activity
- Mostly positive balances
- Bank activity
- Frequent NSFs / negative days
- Existing advances
- None or one manageable
- Existing advances
- Multiple stacked advances
- Statements
- 3–4 months ready
- Statements
- Can't share statements
How it works
Three steps, no surprises
- 1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
- 2
Share recent bank statements if the file looks viable
If the basics line up, share 3–4 months of business bank statements for a proper review.
- 3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.
Secure submission
Your details are sent over an encrypted connection.
Reviewed by a specialist
A real funding specialist reviews your file — not an instant algorithm.
Revenue-first review
Files are weighed on revenue and bank activity, not credit alone.
No obligation
Prequalifying doesn't obligate you to accept any offer.
Questions
Frequently asked
Can I qualify with bad credit?
Possibly. The review weighs business revenue and bank activity, so past credit issues don't automatically disqualify you. Credit is still considered, and there's no guaranteed approval.
Do you only look at my credit score?
No. Business revenue, bank activity, time in business, and existing obligations all matter — many files are placed largely on the strength of revenue and banking.
How much funding could my business qualify for?
It depends on underwriting — amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.
- Business revenue & deposits
- Time in business
- Bank activity & existing obligations
What do I need to get started?
Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3–4 months) help move it forward.
Will checking my readiness affect my credit?
Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.
Is there any obligation?
None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.
See what you may qualify for
Start a quick prequalification based on your revenue and bank activity.