Who this is generally built for
Businesses that are open and operating, but carry something a traditional bank checklist would flag on sight — credit history, industry, or a thinner file.
- Personal credit score: approvals exist as low as the 500s; some funders consider files case by case below that
- Time in business: generally at least 6 months of real operating history
- Past credit events: a prior default, judgment, or bankruptcy doesn't automatically rule you out — timing and documentation matter
- Industry: some industries face more caution than others; the fit is checked before you're quoted anything
These are general patterns across the funders 50 States Funding works with, not a promise for any single file. Some industries and situations still can't be placed, and you'll be told plainly if that's the case.
What to expect
Terms here typically cost more than an established-business offer — that trade-off is what makes funding possible where a bank says no.
Amounts, term length, and pricing are set file by file. Ask for the full repayment total in writing before you accept any offer, and ask what would need to change to qualify for better terms next time.
How to move forward
One honest application is the only way to see your real options — guessing from a checklist online won't tell you what a real underwriter will say.
50 States Funding reviews your file and tells you plainly what's available, what it costs, and what would help next time. No pressure to accept anything you see, and no different standard depending on your zip code.
What you’ll typically need
- Recent business bank statements
- Basic business and ownership details
- A short description of what the funds are for
Frequently asked questions
Is this a direct loan from 50 States Funding?
50 States Funding helps businesses get funded. This tier is offered by funders that review credit and industry case by case.
I was declined elsewhere — is it worth applying again?
Often, yes. Different funders weigh credit, industry, and cash flow differently, so a decline in one place doesn't mean a decline everywhere.
Does my industry matter?
Yes — some industries face more caution from funders than others. 50 States Funding checks this before showing you any offer, so you're not quoted something that won't hold up.
Will this cost more than a typical business loan?
Usually. Funding that looks past credit history or a harder industry typically costs more than a bank loan or an established-business line. You'll see the full cost before deciding.
What if I have an open bankruptcy?
Most funders require a bankruptcy to be discharged or dismissed, with documentation, before they'll consider a file. Ask specifically about your situation when you apply.
See your real options
One secure application. No obligation to accept an offer.
Updated September 14, 2026 · 50 States Funding Funding Team