We don’t take a one-size-fits-all approach to credit.
Instead of relying on a single number, we match you with the funding pathway that makes the most sense for your current profile, goals, and situation.
💡 The Short Answer
Different funding options have different credit guidelines:
0% APR Funding (our specialty): Typically 680+ credit score
Term Loans (fintech lenders): Typically 650+ credit score
Merchant Cash Advances (MCA): Typically 580+ credit score
SBA Loans: Typically 700+ credit score
🧭 Why Credit Score Still Matters
Your credit score helps determine:
Which funding options you qualify for
How much capital you can access
The cost and structure of that funding
For example:
Higher scores (680+) can unlock 0% APR funding, meaning no interest for 12–21 months
Lower scores may still qualify for funding—but through different pathways like MCA or certain term loan options
✅ We Look Beyond Just Your Credit Score
While credit matters, it’s not the only factor we consider.
We also look at:
Income and cash flow
Existing debt and obligations
Overall financial stability
Your funding goals
This allows us to build a realistic and strategic funding plan, not just approve or deny based on a number.
🚀 Our Approach: Match You With the Right Pathway
At We Lend It, we operate within an 8 Figures Funding organization and have access to the full funding marketplace.
That means:
If you qualify for 0% APR, we’ll prioritize that
If not, we’ll guide you to the next best option available
We always focus on the smartest and most cost-effective path forward
👉 Our job is not to force you into one product—it’s to help you access the best funding strategy for where you are today
🤝 Real Guidance, Not Guesswork
When you apply, your Funding Specialist will:
Review your full profile
Explain what you qualify for (and why)
Walk you through your options step-by-step
You’ll always know:
What you qualify for
What it costs
What the best next move is
🎯 Final Thoughts
Even if your credit isn’t perfect, there are still funding options available.
The key is choosing the right pathway based on your current position—and that’s exactly what we help you do.
👉 Ready to see what you qualify for? Start here.
We’re here to help you turn your current situation into a clear path forward.