If you have a record and want to build a business, here's the good news: most business funding does not automatically disqualify you for a past conviction. Especially with revenue-based programs, what matters most is whether your business brings in steady money — not your background.
Which funding is most accessible
Revenue-based working capital
These programs approve on your business bank deposits, not your personal history or credit score. If your business shows steady revenue, a criminal record generally isn't part of the decision. Many programs have no minimum credit score.
Equipment financing
Because the loan is secured by the equipment you're buying, approval leans on the asset — one of the most accessible paths for anyone rebuilding.
Bank statement loans
Bank statement business loans qualify you on deposits alone — no tax returns, no perfect credit, and typically no background focus.
How to improve your approval odds
- Show strong, steady deposits — this is the single biggest factor in revenue-based approvals.
- Keep business and personal banking separate — clean business statements make qualifying easier.
- Have your EIN and formation docs ready — funding your business, not just yourself, opens more doors.
- Start with the right product — revenue-based and equipment programs are the most forgiving.
Ready to get funded?
Get matched with revenue-based programs that approve on your business deposits — no minimum credit score on many, and no hard credit pull to see your options. Everyone deserves a fair shot at building something.
See If I Qualify →Building toward better options
Getting funded now and repaying on time strengthens your business's revenue history and credit — opening the door to larger, lower-cost financing down the road. A record is your past; your business's cash flow is the future lenders care about. Learn more about funding with bad credit and funding using your EIN.