Credit challenges should not prevent you from accessing the business capital you need. Modern financing solutions evaluate your business performance, not just your credit history.
Why Credit Should Not Be a Barrier
Your business credit score reflects your past. It does not define your business potential. Many successful businesses have founders with credit challenges from medical bills, economic downturns, or previous business ventures that did not work out.
Alternative lenders understand this reality and have built products that evaluate what matters most: your business revenue today.
Financing Options That Minimize Credit Impact
Revenue-Based Financing
Qualification is primarily based on your monthly revenue and bank statements. Credit scores as low as 500 are accepted. Most providers use soft credit pulls that do not affect your score.
Merchant Cash Advances
MCAs focus on your daily sales volume. Many providers do not perform credit checks at all. If your business processes card transactions regularly, you likely qualify.
Invoice Factoring
Based on your customers' creditworthiness, not yours. If you have outstanding invoices from creditworthy customers, factoring converts them to immediate cash.
What Lenders Actually Evaluate
| Factor | Traditional Bank | Alternative Lender |
|---|---|---|
| Credit Score | Primary factor | Secondary factor |
| Monthly Revenue | Secondary | Primary factor |
| Time in Business | 2+ years | 6+ months |
| Bank Statements | Sometimes | Always reviewed |
| Collateral | Usually required | Rarely required |
Building Credit While You Fund
Using alternative financing responsibly actually builds your credit profile over time. Many lenders report positive payment history to business credit bureaus. See our guide on building strong business credit.
Secure funding regardless of credit at Arkadian Capital.