Worried a loan application will ding your credit? Our pre-qualification uses a soft credit pull that never touches your score, and we underwrite on your business bank deposits and revenue — not just your FICO. $5K-$5M, same-day decisions, 500+ credit accepted.
Check My Offers (305) 384-8391Search “no credit check business loans” and you will find plenty of sites promising funding with zero credit check at all. We are not going to make that claim, because for a legitimate business lender it is not true. Any funder who runs a real underwriting process looks at credit in some form. What matters — and what actually protects the owners searching for this — is how we look at it and what carries the decision.
Here is how Merchant Fund Express works. When you pre-qualify, we run a soft credit pull. A soft pull is a background check that does not affect your credit score and is not visible to other lenders. You can see estimated offers without any FICO impact whatsoever. A hard inquiry — the kind that can shave a few points off your score — only happens if you accept an offer and move forward to funding, and we tell you clearly before that step. Nothing is a surprise.
The bigger point is what we lean on to say yes. We underwrite revenue-first. Your business bank statements — the deposits landing in your account every week — do the heavy lifting, not your three-digit score. That is why an owner with a 540 FICO and steady $40,000 monthly deposits can get approved here while a bank that leads with credit turns them away. If you have been avoiding applying because you are scared of your score, this page explains exactly why revenue-based underwriting is built for you, what documents actually matter, and what to honestly expect.
Checking your offers uses a soft inquiry only. Your credit score is not affected and other lenders never see it.
Your bank deposits and cash flow drive the decision. A low score does not automatically disqualify you.
We regularly fund owners in the 500s and low 600s when their deposits are consistent and healthy.
Offer size is sized off monthly revenue and time in business, not off your credit tier.
Most soft-pull pre-approvals come back the same day, with funds in 24 to 48 hours after you sign.
A hard pull only happens if you accept and proceed — and only after we tell you first.
The single biggest fear owners bring to this search is “will applying wreck my credit?” Here is the honest breakdown of the two types of credit inquiries and where each one shows up in our process.
Bottom line: you can explore what you qualify for, compare estimated terms, and talk to a real funding specialist — all before anything touches your credit report. That is the whole reason a soft-pull, revenue-first process exists.
Traditional lenders treat your credit score as a gatekeeper: below their cutoff, the answer is no before anyone even reads your file. We flip that order. Your credit is context, but your revenue is the story. Here is why that matters if your score has taken hits.
A business pulling steady weekly deposits demonstrates real, current ability to repay — something a score built on old events cannot show.
Credit scores reflect the past. A medical bill, a divorce, or a rough season two years ago should not define a business that is thriving today.
Restaurants, contractors, shops, and trucking companies rarely have pristine personal credit. Revenue-first underwriting is designed for exactly these owners.
Strong, consistent deposits can earn you a better offer even with a middling score, because they lower the real risk of the deal.
To be clear and honest: credit is not ignored. A very low score or serious recent derogatory events can still affect your pricing or the size of the offer. But it is one input among several — not an automatic wall. Many owners who were flatly declined elsewhere qualify here because the deposits carry the file.
Because we underwrite on cash flow, the paperwork is light and centered on one thing: your business bank activity. You do not need a business plan, a pile of tax returns, or a perfect balance sheet for most files.
The cleaner your last three months, the better your terms. Consistent deposits, few or no NSFs, and a healthy ending balance signal a strong file — and they can offset a lower credit score. If you can, avoid overdrafts in the weeks before you apply. For amounts above $250K we may ask for additional documentation, but the bank statements remain the core of the decision.
Every product below is underwritten on cash flow and starts with the same no-score-impact soft pull. Choose based on how you want to repay and what you need the money for.
Fixed daily or weekly ACH payments. Approved on deposits, not credit tier. Best for general cash flow gaps and growth.
Learn moreRepayment as a percentage of daily card sales. The most credit-flexible option — ideal when your card volume is strong but your score is not.
Learn moreFixed daily/weekly ACH tied to revenue (not card-split). Built around your deposits, which is exactly why it suits credit-worried owners.
Learn moreRevolving access. Draw what you need, pay interest only on the balance. Good for unpredictable, recurring cash needs.
Learn moreThe equipment secures the deal, which can make approval easier on thinner credit. Up to 60 months, Section 179 eligible.
Learn moreAdvance against outstanding B2B invoices. Approval leans on your customers’ credit, not yours. Great for net-30/60/90 receivables.
Learn more| Criteria | Banks | “No Credit Check” Sites | Merchant Fund Express |
|---|---|---|---|
| Credit Check to Pre-Qualify | Hard pull | Often unclear | Soft pull, no score impact |
| Primary Basis for Approval | Credit + tax returns | Varies widely | Bank deposits & revenue |
| Minimum Credit | 680+ | Sometimes any | 500+ |
| Decision Speed | 4–8 weeks | Varies | Same day |
| Funding Speed | 30–60 days | Varies | 24–48 hours |
| Transparency on Hard Pull | Standard | Often none | Disclosed before it runs |
A word of caution about sites advertising a literal “zero credit check” loan: read the fine print. Some are lead brokers, some carry extreme costs, and some are not transparent about when a hard inquiry gets run. A soft-pull, revenue-first process gives you the score protection you want and a real, legitimate lender behind the offer.
No. Pre-qualification uses a soft credit pull that does not affect your FICO score and is not visible to other lenders. A hard inquiry only happens if you accept an offer and move forward to funding, and we always tell you before that step.
No, and we will not claim that. We do check credit, but with a soft pull, and we underwrite primarily on your business bank deposits and revenue rather than your score. That is why owners with a 500+ FICO are regularly approved when their deposits are strong.
Three months of business bank statements. Specifically: your total monthly deposits, how consistent those deposits are, your average daily balance, the number of negative or overdraft days, NSF activity, and any existing funding payments. Revenue and cash flow drive the decision.
500+ FICO is our general minimum. Because we lead with revenue, many owners in the 500s and low 600s still qualify. A very low score or recent serious derogatory events can affect your pricing or offer size, but they do not automatically disqualify you.
Funded amounts range from $5,000 to $5,000,000 depending on revenue and time in business. Most applicants get a same-day decision after the soft pull, and funds land within 24 to 48 hours once you sign.
Never. Nothing that affects your credit report happens during pre-qualification. A hard pull is only run when you have chosen to accept an offer and proceed to funding, and we disclose it to you first.
That is precisely the profile revenue-first underwriting is built for. If your bank statements show steady, healthy deposits, a rough credit history does not automatically stop the deal. Merchant cash advance and revenue-based financing tend to be the most credit-flexible options.
Keep your last three months of bank statements clean: avoid overdrafts and NSFs, keep deposits consistent, and maintain a healthy ending balance. Strong recent cash flow is the fastest way to offset a lower score and earn better pricing.
From the first click to money in your account, here is exactly where your credit is (and is not) touched.
Complete a one-page application with your business name, EIN, time in business, monthly revenue, and use of funds. Upload three months of bank statements to our secure portal. No tax returns or business plan needed for most files.
We run a soft credit pull — zero impact to your score — and analyze your deposits. You get estimated, non-binding offers the same day. Nothing on your credit report changes at this stage.
A funding specialist reviews your file, answers questions, and helps you pick the right product and structure. This is where you compare terms and negotiate — still with no hard inquiry.
If you accept an offer, we disclose the hard pull, finalize the file, and wire funds to your business account, typically within 24 to 48 hours. You are in control at every step before this point.
Apply in 4 minutes. Soft pull only, no credit impact to pre-qualify. Same-day decisions and funding in 24 to 48 hours. Real people, honest answers.
Check My Offers Apply Online (305) 384-8391