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🎯 No Minimum Credit Score — Revenue-Based Approval

Business Funding With
Bad Credit

Your credit score doesn't define your business. We fund businesses based on what matters — your monthly revenue and cash flow — not a three-digit number from years ago.

No Credit Minimum
$50K–$5M Range
Revenue-Based Approval
No Hard Pull to Apply

Why Banks Say No — And Why We Say Yes

Traditional Banks

  • Require 680+ credit score minimum
  • 2+ years of tax returns required
  • 3–12 week approval timeline
  • Collateral or personal guarantee required
  • Deny businesses in high-risk industries
  • No stacking — one funding agreement at a time

Y Millennial Funding

  • No minimum credit score requirement
  • Bank statements only — no tax returns needed
  • Same-day decision, 24-hour funding
  • No collateral, no personal guarantee
  • All industries considered
  • 1st–5th position stacking accepted

What We Actually Look At

Our underwriters review the full picture of your business — not just a score.

📊

Monthly Revenue

Consistent deposits showing your business generates real income. $10K+/mo is typically our threshold.

🏦

Bank Statement Health

Low NSFs, positive average daily balance, and clean deposit patterns.

📅

Time in Business

At least 3–6 months of operating history. Longer tenure = better terms.

🏭

Industry Type

Most industries qualify. Restaurants, trucking, healthcare, retail, construction — all funded regularly.

🔢

Existing Positions

Current MCAs are factored into underwriting but don't disqualify you. We fund up to 5th position.

📈

Revenue Trend

Improving monthly revenue over the past 3–6 months is a strong positive signal for approval.

Apply — No Credit Score Minimum

Revenue matters more than credit. 2-minute form, same-day decision.

Step 1: Contact Info
Step 2: Deal Details

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Related Funding Options

Merchant Cash Advance →Same-Day Business Funding →MCA Stacking →Business Funding →

Bad Credit Business Loans by City

Find city-specific funding pages near you — same-day decisions, 24-hour funding.

Oregon

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Idaho

Massachusetts

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Wisconsin

Nebraska

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Browse by State

Find city-specific funding pages in your state.

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Frequently Asked Questions

Disclosure: Merchant cash advances are a purchase of future receivables — not a loan. Approval is not guaranteed and is subject to underwriting review. Factor rates and terms vary by business qualifications.