Lender review
ByzFunder Business Loans, Reviewed
A revenue based direct funder with no minimum credit score requirement, no hard credit pull, and same day funding for qualified businesses.
Lender review
A revenue based direct funder with no minimum credit score requirement, no hard credit pull, and same day funding for qualified businesses.
ByzFunder takes accessibility further than most: it imposes no minimum personal credit score and never runs a hard credit inquiry, relying entirely on a soft check for identity verification and bankruptcy screening. That makes it a genuine option for businesses with damaged or thin credit, backed by an Inc. 5000 listing and a strong Trustpilot track record. As with any revenue based product, the tradeoff is cost, so weigh the daily repayment carefully against your actual cash flow.
ByzFunder funds short term financing, merchant cash advances, revolving credit through its ByzFlex program, and bridge financing, all evaluated primarily on your business’s cash flow rather than your credit score.
What sets ByzFunder apart is what it does not do. It has no minimum personal credit score requirement and does not perform a hard credit inquiry at any point, only a soft check to verify your identity and screen for active bankruptcies. That structure is built specifically for business owners, including gig workers and freelancers, who may have damaged credit but steady deposits.
Prequalify in minutes without affecting your credit score.
Exact rates and loan amounts vary by product and by applicant; see the product breakdown below for details on each one.
ByzFunder funds four products directly, all evaluated primarily on your business’s cash flow.
| Short term financing | Functions similarly to a term loan, with a lump sum repaid over 3 to 18 months. |
| Merchant cash advance | An advance against future credit card sales, repaid as a percentage of daily receipts. |
| ByzFlex revolving credit | Revenue based revolving credit from $7,500 to $200,000 over 6 to 15 month terms, for businesses with $250,000 or more in annual revenue and a 550 or higher credit score. |
| Bridge financing | Short term interim financing to cover a gap until a longer term financing solution becomes available. |
Rate, term, and amount figures are set per applicant during underwriting.
ByzFunder is built around cash flow first underwriting, with one of the most accessible credit policies on this network.
ByzFunder imposes no minimum personal credit score. It runs a soft check only, for identity verification and to screen for active bankruptcies, and regularly approves scores below 500 when deposits support the advance.
Expect a minimum of around 6 months of operating history, verified through recent bank statements.
ByzFunder generally looks for at least $10,000 in monthly revenue. Its ByzFlex revolving credit product requires a higher $250,000 or more in annual revenue.
The application asks for three months of business bank statements and a simple online form, without requiring tax returns, a business plan, or business licenses.
The application is intentionally streamlined, without the paperwork burden of a traditional bank loan.
Complete ByzFunder’s streamlined application and attach your recent bank statements.
ByzFunder’s technology driven approvals, backed by human oversight, evaluate your deposit history and cash flow.
Many approved applicants see same day funding.
ByzFunder approves businesses regardless of personal credit score when bank deposits support the advance.
Only a soft check is used, so applying never affects your credit score, even if declined.
Three months of bank statements is often all that is required, without tax returns or a business plan.
Daily debit amounts are calibrated to stay small relative to your deposits, important for very low revenue businesses.
An Inc. 5000 listing and a 4.7 out of 5 Trustpilot rating back up ByzFunder’s reputation.
As with any merchant cash advance or revenue based product, the effective cost runs well above a term loan or bank line of credit.
Automatic daily debits can be difficult for businesses with irregular cash flow, even with a calibrated holdback.
Some sectors, including cannabis, are not eligible for financing due to compliance requirements.
Yes. ByzFunder directly funds short term financing, merchant cash advances, ByzFlex revolving credit, and bridge financing.
ByzFunder does not impose a minimum credit score and does not run a hard credit inquiry, relying on a soft check and your business’s deposit history instead.
Same day funding is common for approved applications.
ByzFunder offers short term financing, merchant cash advances, ByzFlex revolving credit, and bridge financing.
ByzFunder generally looks for at least 6 months in business and at least $10,000 in monthly revenue, with no credit score minimum.
No. ByzFunder only runs a soft check for identity verification and does not perform a hard credit inquiry at any point.
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