💡 The Short Answer
👉 We do check your personal credit—but it’s a soft pull upfront, so there’s no impact to your score when you apply.
Your credit helps us determine:
What funding options you qualify for
How much capital you can access
Which pathway makes the most sense for you
🚀 For 0% APR Funding (Our Specialty)
Your personal credit is the primary factor.
This type of funding is based on:
Your FICO score (typically 680+)
Your existing credit accounts
Your overall credit profile
👉 The stronger your credit, the more:
Approvals you can receive
Total funding you can access
Favorable 0% terms you can secure
📊 For Other Funding Options
For business-based funding, credit still matters—but it’s not the only factor.
Merchant Cash Advance (MCA)
Credit matters less
Focus is more on revenue and cash flow
Term Loans / Lines of Credit / SBA
Credit is important
Combined with:
Time in business
Revenue
Financials
⚠️ Soft Pull vs. Hard Pull
Initial application:
✅ Soft pull (no impact to your credit score)If you move forward with funding:
⚠️ A hard pull may be required depending on the lender and product
👉 You will always be informed before any hard inquiry happens
🧭 Why We Look at Credit
Your credit profile helps us:
Match you with the right lenders
Build a realistic funding strategy
Maximize what you can qualify for
👉 It’s not about approval vs. denial—it’s about finding the best path forward
🤝 What If My Credit Isn’t Perfect?
That’s okay.
If your credit isn’t strong enough for certain options:
We’ll show you alternative pathways
Help you access funding where possible
Guide you on how to improve your profile over time
🎯 Final Thoughts
Your personal credit score is a key part of the process—but it’s used to guide strategy, not limit you.
👉 The goal is to leverage your profile to access the most capital at the best terms possible
We’ll show you exactly what your profile qualifies for—without impacting your credit.