If the money comes in, your score is not the whole story.
This route is underwritten on your business bank deposits rather than your credit profile. It is the door for owners whose revenue is real and whose credit file is still being rebuilt.
One document does most of the work.
Three months of business bank statements
The most recent three, showing consistent monthly deposits. The lender is answering one question: does money reliably come into this business? Everything else is secondary.
Consistency beats size
Steady deposits month after month read better than one enormous month and two quiet ones. A business with predictable $18K months often funds more comfortably than one that swung from $2K to $60K.
The number that actually tells you the cost.
Revenue-based products are often priced with a factor rate rather than an interest rate, and the two are not comparable. This is the single most useful thing on this page.
A factor rate multiplies your advance by a figure like 1.3 to arrive at what you owe. Borrow $50,000 at a 1.3 factor and you repay $65,000, regardless of how quickly you pay it back.
An APR expresses the annual cost including fees, which means it accounts for the repayment term. That $15,000 cost looks very different repaid over twelve months than repaid over four.
Always convert a factor rate to an APR before you compare two offers. A factor rate looks cheaper than it is precisely because it hides the term. Ask any funder for the APR. If they will not give it to you, that is your answer.
This is said on a page that exists to help you get funded, because getting funded on terms you did not understand is not a win. Understanding the number is the difference between capital that grows a business and capital that quietly eats it.
Revenue-based, or credit-based?
| Revenue-basedThis page | Credit-based | |
|---|---|---|
| Qualified on | Your business deposits | Your credit profile |
| Credit requirement | Not the primary factor | Minimum 680 FICO |
| Revenue requirement | 3 months of consistent deposits | None |
| Entity required | Business bank account | LLC or corporation, plus EIN |
| Typical ceiling | Up to millions | Up to $250,000 |
| Best when | Real revenue, credit still being rebuilt | Strong credit, young or pre-revenue business |
Bring the statements
Three months is all it takes to know where you stand. Lynden reads them with you and tells you what they actually support, including when the honest answer is to wait a quarter.
About revenue-based funding.
What do I need to qualify for revenue-based funding?+
Business bank statements showing consistent monthly deposits for the most recent three months. The amount is determined by your revenue and cash flow rather than your credit score. This is the route for owners with real revenue and a credit file still being rebuilt.
Can I get funding with bad credit?+
Possibly, through revenue-based funding, because that route underwrites your deposits rather than your score. What you cannot do is access the best terms with a damaged file, which is why credit work and funding work so often happen in that order. Fixing the file first usually costs less than borrowing expensively now.
What is the difference between a factor rate and an APR?+
A factor rate multiplies your advance by a figure like 1.3 to arrive at what you owe, while an APR expresses the annual cost including fees. A factor rate looks cheaper because it ignores how fast you have to repay. Always convert a factor rate to an APR before you compare two offers.
How much can I actually get?+
Revenue-based funding reaches into the millions at the top end, but the realistic figure for any given business is set by its deposits and cash flow. A funder is sizing the advance against what your account can comfortably support. Nobody can quote you a number before seeing three months of statements.
Do I need to have been in business a certain length of time?+
Many products set a floor, commonly six months, though it varies by funder. What matters more is that the three months you can show are consistent. Time in business is the one qualification you cannot accelerate, which is why it is worth knowing where you stand before you start applying.
Bring the statements, get a straight answer
Apply directly when you are ready to have your deposits reviewed for funding.