How much business funding is available?

Credex provides business funding from $25,000 to $10 million. Your offer depends on the business and our review.

What credit score do you consider?

Our credit floor starts at 550. We review credit with the rest of the business.

When will I receive a decision?

Most applications get a decision the same day when we have the required information.

Does a person read every file?

Yes. A Credex underwriter reviews your application and supporting records. The underwriter can call you when an answer could affect the decision.

Will applying affect my credit?

There is no hard credit pull to get started. We explain any later credit check before it happens.

Who provides the funding?

Credex Lending funds directly. Credex Capital also works with a network of funding partners. If a partner provides your funding, the offer says so before you accept.

An algorithm can't see your business. A person can.

Get business funding from $25,000 to $10 million. A real underwriter reads every application, and most applicants get a decision the same day.

Start an application Why Credex

550

Credit floor. Most lenders start at 650.

$25K to $10M

Business funding range.

Same day

Decision for most applications.

7 to 8

Underwriters who read files and get on the phone.

What is Credex?

Credex Capital is a business funding company for US small businesses, at credexcap.com. We provide unsecured business loans and working capital from $25,000 to $10 million.

It is built for US businesses with regular deposits and a clear use for funding.

Why the gap exists: 65.4% of construction businesses run weekly payroll, against 27.0% across the private sector (Bureau of Labor Statistics), while Medicaid rules allow 99% of clean claims to take up to 90 days (42 CFR 447.45).

Read the full questions and answers How an underwriter reads a file

What it is: Business funding: unsecured business loans and working capital.
How much: $25,000 to $10 million, depending on the business.
Who qualifies: US businesses trading about 12 months or more, with regular deposits.
To start: The amount and your monthly deposits. No hard credit pull, no documents yet.
Who funds it: Credex Lending funds directly. Credex Capital also works with funding partners, and your offer names which.

Why Credex.

A person makes the call.

A real underwriter reads your bank statements and calls if one answer could change the outcome.

Credit from 550.

Most lenders stop at 650. Your score is one page of the file.

Same-day decisions.

Most applicants hear back the same day, with terms in writing before they accept.

How it works.

You apply.

About two minutes, no hard credit pull to start, no documents yet.

Start an application

A person reviews your file.

An underwriter looks at deposits, time in business, payment history, what changed recently, and credit as one input.

How we review a file

You see the terms first.

Amount, term, payment schedule and total cost are in writing before you sign. If it does not work, say so and we look again.

Say yes to the next job.

Cover payroll, materials, equipment, or inventory before customer payments arrive.

Check your estimate Three questions. No contact details.

$25K to $10M
Funding range: 550
Credit floor: Same day
Most decisions

Your expenses don’t wait for your invoices.

The crew gets paid. Materials get ordered. Working capital can help cover the work while you wait to get paid.

8 weeks left before the customer pays in full.

Put the next job in motion

Funding is repaid under your agreed schedule. Payments may begin before your customer pays.Illustrative timing example. Actual business cash flows and funding terms vary.