We know that protecting your credit score is important, especially when you’re exploring funding options for your business. That’s why at We Lend It, there’s no hard credit pull when you submit your initial application.
Here’s what that means for you:
✅ No Hard Pull to Apply
When you start your application with We Lend It, we’ll ask for some basic information about your business and your funding needs. We’ll also ask for your most recent 3 months of bank statements to get a clear picture of your cash flow and business health.
👉 This process does not include a hard inquiry on your credit report.
A hard pull only happens when a lender formally underwrites your funding application and pulls your credit report as part of the final approval process. This is usually much later in the funding journey—after you’ve had a chance to review your options and decide whether to move forward.
✅ Why We Do It This Way
We believe that business owners should be able to explore funding options without worrying about damaging their credit score.
That’s why our initial evaluation focuses on your business’s cash flow and revenue, not just your credit score.
We’ll work with you and our network of lending partners to find funding that fits your needs, so you can make informed decisions—risk-free.
✅ Real Support, No Surprises
From the moment you apply, you’ll have a dedicated Funding Specialist who will:
Walk you through how the process works
Let you know when a hard credit pull might happen later in the funding process—so you’re never caught off guard
Answer all your questions honestly, in plain language
We’re here to be your partner in growth—not just another lender.
💡 Final Thoughts
If you’re thinking about applying but worried about your credit, rest easy—there’s no risk to your score when you apply with We Lend It.
At We Lend It, we’re here to help you find the right funding—without surprises and without unnecessary credit worries.
Let’s get started—together!