Bad credit doesn't block funding. Floridas get approved on revenue and deposits, not credit score — FICO 500+, funded in as little as 24 hours.
Get Funded →$25K to $5M in working capital — approved on your revenue, funded in as little as 24 hours. No collateral for working capital.
Start your application in about a minute. A real decision fast — soft credit pull, no obligation.
START MY APPLICATION →🔒 Soft credit pull · will not affect your credit score
Soft credit pull that does not affect your score.
Approval is weighted on deposits and consistency, not credit.
See your amount and terms up front, no obligation.
ACH to your account, often within 24 hours.
How bad-credit funding is underwritten.
| Factor | Why it matters | What we look for |
|---|---|---|
| Monthly revenue | Ability to repay | ~$20,000+/mo deposits |
| Deposit consistency | Steady beats spiky | Regular deposits |
| Time in business | Track record | 6+ months |
| Negative days | Cash-flow health | Few overdrafts/NSFs |
| Credit score | Considered, not decisive | FICO 500+ |
Estimate your funding amount and payment. Move the slider to your average monthly revenue.
Estimates only, for illustration. Real amounts and terms are set at underwriting.
Bad-credit funding through Florida Biz Funding runs from $5,000 to $5,000,000, priced on revenue and deposit health rather than credit score. Stronger, more consistent deposits earn larger amounts and lower cost.
Most approvals fund within 24 hours, with a soft credit pull that doesn't affect your score.
Use the calculator above to estimate your amount and payment.
Fund seasonal staffing and inventory through Florida's tourism swings.
Cover payroll and materials between draws on Florida job sites.
Stock inventory ahead of peak season and repay as you sell.
Bridge insurance and receivable timing without slowing operations.
Apply in 5 minutes with a soft credit pull. Approval is based on your revenue, not your score.
Get Funded →Figures and calculator estimates are typical 2026 industry examples for general information and vary by underwriting; your actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.
Approved on your revenue, not just your credit. Start your 1-minute application.
From restaurants to contractors to medical practices — we fund established Florida operators on their revenue, fast.
Food service, contractors & trades, dental & medical, retail, auto, salons, professional services — Miami to Pensacola.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, materials, or a growth push — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Approved on your deposits, not just your score. Funded in as little as 24 hours.
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATION →No obligation · takes about a minute
