Yes, in most cases. Revenue-based business funding is underwritten primarily on your business bank deposits rather than a personal credit score, so past credit problems are not usually disqualifying. Credit still affects pricing and which products are open to you, but it is rarely the deciding factor on its own.
What credit does and does not decide
Credit rarely decides approval on revenue-based products. It does influence the cost, the term you are offered, and whether lower-priced options such as SBA or conventional term loans are realistic — those are genuinely credit-led and a weak score will close them.
What matters more is what the bank statements show: whether deposits are steady, whether the account runs into overdraft, and whether existing obligations already consume the cash flow.
Recent problems versus historic ones
A charge-off from four years ago carries much less weight than a pattern of missed payments in the last six months. Underwriters read direction of travel, so a business that has recovered reads very differently from one still deteriorating.
Open judgments, active tax liens and recent bankruptcies are the exceptions — those need disclosing up front because they change which options are available, and discovering them late costs everyone time.
Checking will not hurt your score
Seeing what you qualify for uses a soft credit pull, which has no effect on your score. A hard pull only happens if you accept a final offer and choose to proceed. There is no cost to apply and no broker fees at any stage.
What to do before you apply
Get four complete months of business bank statements together, including every page. This does more for a weak-credit file than anything else, because it moves the conversation onto the ground where you are strongest.
Keep the account out of overdraft for the weeks before applying if you possibly can. Recent conduct is weighted more heavily than older history, so a clean recent stretch genuinely changes how the file reads.
Be specific about the money. "$18,000 for a replacement compressor, which is currently costing us two service days a week" is a far stronger application than "working capital", and it is the sort of detail that offsets a thin credit profile.
Disclose anything an underwriter will find anyway — open judgments, liens, existing advances. Every one of those surfaces during review, and disclosing them early costs nothing while discovering them late costs days.
Read next: Merchant cash advance · If you already have an advance · Working capital
Checking what you qualify for takes about 60 seconds, uses a soft credit pull only, and costs nothing. Start an application or request a callback if you would rather talk it through.