Working capital based on your sales, not just your score
If your business has steady deposits, you may qualify for a line of credit, a short-term loan or revenue-based financing even when your personal credit isn't ready for 0% business cards.
Who it fits
- At least 4 months in business
- Around $10,000 or more in monthly revenue
- A business bank account that shows your deposits
How it compares to 0% business credit
| 0% business credit | Revenue-based funding | |
|---|---|---|
| Approved mainly on | Personal credit score | Business revenue and deposits |
| Typical credit needed | 700+ | Often lower; varies by lender |
| Cost | 0% intro APR, then standard rates | Usually much higher; varies by offer |
| Payments | Monthly | Monthly, weekly or daily, depending on the product |
| Personal guarantee | Usually required | Varies. Some offers don't require one when the business has established credit and strong cash flow |
Strong credit and strong revenue? Take the 60-second quiz to see whether 0% credit fits you first. It's the cheaper money. Want to avoid a personal guarantee? Read what no-PG funding really involves.
Our funding partners
1West
A marketplace of 50+ approved lenders. Create an account, choose a loan type and compare offers side by side. 1West says funding can happen in as little as 24 hours.
ROK Financial
SBA loans, lines of credit, working capital, revenue-based, equipment and receivables financing. Their stated minimums: 4+ months in business and $10,000+ in monthly sales, with no minimum credit score.
ARF Financial
Business loans and revolving lines of credit through community bank partners: up to $1.5 million, terms up to 36 months, fixed payments.
Read this before you apply. These are independent companies. They make their own credit decisions and set their own rates, fees and terms. Revenue-based financing and short-term loans usually cost much more than 0% intro APR credit, and some take daily or weekly payments. Check each offer's total cost, payment schedule and whether it includes a personal guarantee before you sign.
Disclosure: Fund My Brand LLC may receive a referral fee if you get funded through these partners, at no extra cost to you. Fund My Brand doesn't arrange, negotiate or make these loans.