Business funding reviewed by people
Get business funding from $25,000 to $5 million. A real underwriter reads every application, and most applicants get a decision the same day.
550
Credit floor. Most lenders start at 650.
$25K to $5M
Business funding range.
Same day
Decision for most applications.
7 to 8
Underwriters who read files and get on the phone.
Why businesses choose Credex
Your application goes to an underwriter, not a scoring model. They read your bank statements line by line, look at how money actually moves through your business, and pick up the phone when one answer could change the outcome. If a slow month has a reason behind it, you get to explain it.
Credit scores are one input, and often the least useful one. We look at deposit volume, payment history with other lenders, time in business, customer concentration, and what changed recently. A business that was rebuilding last year can still qualify today, and our floor is a 550 score where most lenders stop at 650.
Before you sign anything you get the funding amount, the term, the payment schedule, the total cost, and the name of the person handling your file. Nothing is buried and nothing changes after you agree. If the offer does not work for your business, say so and we will look at it again.
Capital for the work ahead
Cover payroll, materials, equipment, or inventory before customer payments arrive.
Credit floor
Most lenders run a credit score through software and stop reading at 650. Nobody sees the business behind the number. We read the whole file, and the score is one page of it.
Deposits, time in business, payment history, and what changed in the last year all matter here. That is how a business rebuilding after a hard year can still get funded.
Most lenders
650
Below this line, software declines the file before a person ever reads it.
Credex
550
Where we start, not where we stop. An underwriter reviews the full file and makes the call the same day.
Under 550 is still worth a conversation. We have funded businesses the score said no to.
What we fund
The space between
The crew gets paid. Materials get ordered. Working capital can help cover the work while you wait to get paid.
1 payroll Friday before the customer pays.
Put the next job in motionWho we fund
Every industry below gets the same treatment: a person reads the file and makes the call.
After a bank decline
What the book says
A person who has funded you before knows what your slow month looks like. Rates and terms improve with a repayment history, because we can see it.
4 in 10
of last year's best deals were businesses we had already funded.
Up to 24 months
on terms for businesses with a repayment history with us.
550
is where we start reading a file. Most lenders stop at 650.
Check your estimate
Answer three questions. No contact details are needed to see an estimated range.
A little context. A clearer starting point.
See your estimate first. Call us for actual amounts and terms.
