Bad credit doesn't have to mean no funding. As a direct lender, Solvic Capital shares exactly what we evaluate and why many businesses with low credit scores get funded.
Why Direct Lenders Focus on Revenue
Traditional banks are credit-driven lenders. Direct alternative lenders like Solvic Capital are revenue-driven lenders. Your monthly revenue performance tells us far more about your ability to repay than a credit score number.
What We Actually Look At
When underwriting a direct funding application with bad credit, Solvic Capital focuses on: monthly bank deposit volume, consistency of deposits month-over-month, number of negative days in your bank account, and the trend of your revenue over the last 3 months.
What Credit Score Do You Need?
There is no strict minimum credit score for most Solvic Capital direct products. We have funded businesses with scores below 550. A stronger revenue history can more than offset a lower credit score.
Products Best for Bad Credit
Merchant Cash Advances and Quick Access Capital from Solvic Capital have the most flexible credit requirements. Term loans and lines of credit may require stronger credit profiles depending on the amount.
How to Strengthen a Bad Credit Application
Show 3+ months of consistent, growing deposits. Avoid NSF charges in the 30 days before applying. Apply directly with Solvic Capital — broker-submitted applications for bad credit borrowers often face additional markup on already-higher rates.