CAPITAL BEYOND THE TRADITIONAL LOAN ROUTE

Bank financing isn’t
your only move.

Traditional banks don’t see every business opportunity. We look at the strength of your credit or the performance of your business to help you pursue a smarter funding path.

Complete My Funding Request Explore My Options

Learn your path. Complete your request. Then call 877-789-6445.

700+ FICO0% introductory APR financing BELOW 700 FICOALT lending for established businesses

THE RIGHT PATH CHANGES THE CONVERSATION

Your score points the way.
Our expertise builds the plan.

A traditional bank decline does not have to end the conversation. Start with the path that matches your profile.

INTERACTIVE QUALIFICATION GUIDE

See where your business fits.

700+ FICO / BELOW 700 FICO

Your FICO scoreEnter a score from 300 to 850.Months in businessEnter 0 if you are pre-launch.Average monthly revenue ($)Enter operating revenue, not borrowed funds.

YOUR STARTING PATH

Explore 0% financing

700+ FICO meets the starting credit screen. Startups and established businesses can explore this path; the full credit profile and issuer underwriting determine approval.

View 700+ Qualification Form ↗

Compare the starting requirements for both funding paths.
Qualification	0% FINANCING Credit-based path	ALT LENDING Revenue-based path
FICO score	700 or higher	Below 700Approximately 525+ starting guideline.
Business stage	Startups or established businesses	Established businesses only
Time in business	Startup-friendly options	6+ months
Monthly revenue	Selected programs may support pre-revenue businesses	$20K+ monthly
Documents	Selected programs may not require income or revenue documents; verification may still apply	Six recent business bank statements and current ID
What else matters?	Credit history, balances, utilization and recent inquiries	Cash flow, current obligations and bank activity; 0 NSFs Preferred

This guide identifies a starting path, not an approval. It does not pull credit or submit your information. Funding amounts and terms remain subject to the complete file and underwriting.

PATH 01 · 700+ FICO

Strong credit.
Capital to move forward.

With a 700+ FICO profile, you may be positioned to pursue $15K–$300K in combined business credit through a structured 0% introductory APR funding strategy.

For startups and existing businesses seeking working capital.
Selected programs may not require revenue or income documents.
Your full credit profile—not the score alone—guides the sequence.

These offers generally involve business credit cards. Credit limits are not the same as cash proceeds. You must provide accurate financial information, and issuers may request verification.

Learn About 0% Financing 700+ FICO Qualification

PATH 02 · BELOW 700 FICO

Established business.
Revenue that tells the story.

If your FICO score is below 700, an established business may qualify for alternative lending based on documented revenue, bank activity and repayment capacity.

6+ months in business and $20K+ monthly revenue.
Approximately 525+ credit; 0 NSFs Preferred.
Six recent, complete business bank statements and a current ID.

This path is for operating businesses, not pre-revenue startups. Amounts, pricing and payment schedules depend on the business, lender and product.

Learn About ALT Lending Below 700 FICO Qualification

700+ FICO is the starting screen for the 0% path. Below 700 FICO routes established businesses toward an ALT review. Neither score range guarantees approval. A startup below 700 may need to strengthen its credit profile before pursuing these paths.

STRATEGY BEFORE APPLICATIONS

Know the next move.
Then make it count.

Explore the steps behind each funding path. Select a path to see how the process changes.

Download the Funding Guide (PDF)

Know what you’re agreeing to.

0% APR is an introductory offer for eligible transactions. Minimum payments are still due; fees and regular APR may apply. ALT funding has different pricing and payment structures—compare net proceeds, total cost and payment frequency before accepting.

FIRST THE REQUEST. THEN THE CONVERSATION.

Two paths. Two qualification forms.

Use the form that matches your FICO score and business stage. The 0% financing path and ALT lending path have different qualification requirements.

700+ FICO Qualification Form

Online qualification form coming soon.

Call us to discuss this funding path.

Call 877-789-6445

Below 700 FICO Qualification Form

Online qualification form coming soon.

Call us to discuss this funding path.

Call 877-789-6445

Keldrick Dodson Finance Manager

YOUR FINANCE MANAGER

A Funding Strategy. A Real Point of Contact.

Keldrick Dodson • Finance Manager

When traditional financing is out of reach, you need more than another application. I review your credit or business revenue, identify the strongest available path, and explain what needs to happen next. You get personal file management, practical direction, and clear communication.

Credit-based funding expertiseA deliberate application sequence built around your profile, goals and available offers.

Revenue-based lender placementA review of your business activity and obligations before pursuing suitable alternative options.

CALL OR TEXT877-789-6445 Send a text ↗

EMAIL[email protected]

CONFIDENCE COMES FROM CLARITY

Before you
move forward.

Clear answers to the questions that matter.

Does 700+ FICO guarantee 0% funding?

No. It is the starting screen for this path. Issuers also review credit history, utilization, inquiries, existing limits, business details and other underwriting factors. The $15K–$300K range is a potential combined funding target, not a promise.

Can I apply if my business has no revenue yet?

A startup with a qualifying 700+ credit profile may have credit-based options. Selected programs may not require income or revenue documents, but accurate financial disclosures and issuer verification still apply. ALT funding requires an established, revenue-generating business.

What happens when the 0% APR period ends?

The issuer’s regular APR applies under the offer terms. Minimum payments are due during the promotion, and transaction or other fees may apply. Plan repayment before the promotion expires; cash advances may not qualify for 0% APR.

Why work with KD Funding after a bank decline?

We evaluate which credit-based or revenue-based path may fit, review the facts before submission and coordinate a deliberate funding strategy. Our expertise is in matching the file to suitable options and explaining the tradeoffs.

What should I do after submitting?

Call 877-789-6445. Have your funding goal, timeline and credit profile or business documents ready. We will confirm the next step and identify any missing information.

YOUR NEXT MOVE STARTS HERE

Download the Funding Guide.
Then Let's Talk Strategy

Download the Funding Guide (PDF) Then call 877-789-6445 ↗

Bank financing isn’t your only move.

Your score points the way.Our expertise builds the plan.