Even Funding

Menu
Apply Now

When applying for business financing, lenders evaluate your creditworthiness and financial health to determine your “funding paper” grade. If your business falls under B-D grade funding paper, you might find it harder to secure traditional loans—but alternative lenders can still provide viable financing solutions.

What Is B-D Grade Funding Paper?

Lenders categorize businesses based on risk levels:

  • A-Grade: Strong financials, high credit scores, and little to no debt.

  • B-D Grade: Higher risk due to lower credit scores, inconsistent cash flow, or existing liens.

SMBs with B-D grade funding papers often struggle to get financing from traditional banks, but alternative lenders assess different factors, making funding more accessible.

Why Your Business Might Be Considered B-D Grade

Several factors impact your funding paper grade, including:

  • Credit Score – A business or personal score below 650 can push you into B-D territory.
  • Existing Debt & UCC Liens – Outstanding loans or previous UCC filings can signal risk.
  • Revenue & Cash Flow Volatility – Inconsistent income may lower your funding grade.
  • Time in Business – Less than two years in operation can make lenders hesitant.

Can You Get Financing with B-D Grade Funding Paper?

Yes! Many alternative financing options exist for businesses with B-D grade paper, including:

  • Revenue-Based Financing – Borrow based on cash flow rather than credit scores.
  • Merchant Cash Advances (MCAs) – Receive an advance against future sales.
  • Invoice Factoring – Convert unpaid invoices into immediate cash.
  • Asset-Based Loans – Secure funding using business assets as collateral.

How to Improve Your Funding Options

Even if your business has a lower-grade funding paper, you can enhance your approval chances by:

  • Strengthening Cash Flow – Show steady, predictable revenue patterns.
  • Paying Down Debt – Lower outstanding balances to reduce risk.
  • Choosing the Right Lender – Work with alternative lenders specializing in B-D grade funding.

Final Thoughts

Being classified as B-D grade doesn’t mean financing is out of reach. With the right lender, strategic cash flow management, and alternative funding solutions, your business can still access the capital it needs.

Need funding despite a lower credit grade? Even Funding can help—apply today!