A revenue purchase underwrites your cash flow — deposits, consistency, trajectory — not a three-digit score from your past. Bad credit narrows your options; it does not end them. No honest funder guarantees approval, and neither do we. This is boutique funding: a person reads your file, not a scoreboard.
A medical collection, a divorce, a 2020 that went sideways — credit reports remember everything and contextualize nothing. Your business's current health never enters the frame.
Every bank application is a hard pull, and every decline makes the next one worse. After three rejections, owners stop applying anywhere — including places that would say yes.
Owners with damaged credit get routed to daily-debit stackers at factor rates that consume the business. Desperation pricing is the industry's worst product.
Banks use credit score as the first gate because it is cheap and defensible. A 580 means the file never reaches the human who would have seen the $45k months. The gatekeeper never looks at the business at all.
That gate is exactly what a revenue purchase removes. Our first question is what your deposits look like — the credit conversation comes later, and it is a factor, not a verdict.
Approval here reads three signals: deposit consistency (customers paying regularly), average daily balance (a cushion, even a small one), and trajectory (month three above month one). Credit score adjusts pricing at the margins; it does not decide.
The honest boundaries: open bankruptcies, active judgments, and statements showing chaos — NSF stacks, negative balances — will sink any file. But a 560 with clean, growing deposits funds here every week. That is not a promise of approval; it is how the underwriting actually works. Sharp terms, straight answers — that is the whole Cutting Cap model.
Clear the expensive short-term debt, catch up the vendor who put you on COD, and reset the cash cycle.
Inventory, marketing, or the hire that grows deposits — the best credit repair is a bigger month.
Consolidate, stabilize, and fund the growth plan in one move when the statements support it.
There is no hard cutoff. We underwrite cash flow first — consistent deposits, a stable balance, growth. Scores influence pricing and size, but plenty of approvals carry credit that banks declined on sight.
No — and distrust anyone who says otherwise. Guaranteed-approval offers are either lying or pricing the risk so high it harms you. We promise a fast, honest read of your actual statements and a straight answer either way.
The application starts with bank statements, not a hard pull. If your file advances, we will tell you before any credit check happens.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
