Underwriting
Personal credit score
Definition
A personal credit score summarizes an individual's credit history; in business funding it shapes pricing and structure more than it determines approval.
Free consumer apps typically display a VantageScore, while lenders generally pull FICO, which weighs history differently and can differ substantially from the number on your phone. Estimate honestly on an application — an accurate estimate produces an accurate conversation.
Express Capital Funding · Direct lender
See what your revenue supports
We underwrite in-house and fund from our own balance sheet. $250,000+ in yearly revenue, 1+ year in business, and a 580+ credit score is the gate — a decision the same day, funding in as little as 24–48 hours.
4.8★ from 590 reviews · A+ BBB accredited · $250M+ funded