The Path to “Yes”
Your credit score tells one chapter. We read the whole book.
Your Credit Score Isn’t Your Story
Every year, millions of profitable businesses are denied capital—not because they can’t afford the payments, but because an algorithm said “no.” We believe that’s broken.
Low FICO scores, high-risk NAICS codes, and short time in business are the three most common reasons banks reject applications. But none of these tell the full story of a thriving business.
Low FICO Score
A past hardship doesn't define your current profitability.
High-Risk Industry Code
Trucking, construction, and restaurants are risky to banks—but essential to the economy.
Short Time in Business
A 12-month-old company with $50k/month revenue is a success story, not a risk.
Recent Credit Inquiries
Shopping for the best rate shouldn't count against you.
Transparent Underwriting
We use bank-grade data analysis to find reasons to say “Yes.” We value your business’s current performance over its past credit history.
Cash Flow Analysis
We analyze 3–6 months of bank statements to understand your real revenue patterns and business health.
Asset Evaluation
Equipment, vehicles, and real estate add weight to your application—even with imperfect credit.
Growth Trajectory
Month-over-month revenue growth signals a business worth investing in, regardless of credit history.
The “Lend & Mend” Program
Bridge Back to Bankability
TruCredit Capital reports your positive payment history to business credit bureaus. We don’t just fund your business—we help you build the credit profile that gets you qualified for traditional bank rates down the road.
Get Funded
Receive capital based on your cash flow and business performance.
Build Credit
On-time payments are reported to major business credit bureaus.
Graduate Up
Qualify for lower rates and traditional bank products over time.
Quick Eligibility Check
Do you qualify?
Check the boxes that apply to your business. Most businesses qualify — even those banks have turned down.
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