What we need to see
$15K+ monthly deposits4+ months in businessUS-based businessNo FICO floorStacks OKPrior defaults OKTax liens consideredOpen bankruptcy: no
Credit box
A wider box, on purpose.
We underwrite deposits, cash flow and payment behavior, not just the credit score. Run a file through the checker before you send it.
Programs
Where your deal fits.
| Program | Position | Advance | Term | Min. deposits | Best for |
|---|---|---|---|---|---|
| First position | 1st | $10K – $500K | 4 – 12 mo | $25K/mo | Clean or thin credit; strongest pricing |
| Stacking | 2nd – 15th | $5K – $250K | 3 – 9 mo | $15K/mo | Priced to existing daily/weekly debits |
| Consolidation | Payoff | $25K – $750K | 6 – 14 mo | $50K/mo | Pays off stacked positions, lowers daily payment |
| Reverse consolidation | Any | $10K – $300K | 4 – 10 mo | $30K/mo | Covers existing payments while the merchant catches up |
| Default recovery | Any | $5K – $150K | 3 – 8 mo | $20K/mo | Prior or active defaults; payoff letter required |
What we don’t fund
Cannabis / THCAdult entertainmentFirearms dealersGamblingCrypto / money servicesNon-profitsInvestment / real-estate holding
Required docs
A complete file gets a same-day decision.
Signed application
Our one-page app or your ISO app with owner info and SSN.
4 months of statements
Full business bank statements, all pages. Add month-to-date if available.
Position list
Current funders, balances and debit amounts. Speeds up stacking math.
Payoff letters
Required for consolidations and any file with an active default.
Checker says it’s workable?
Send it. The desk will tell you exactly what it takes to fund.