(If you're approved, funds hit your account within 24 hours)
What they want from you
Credit score
At least 2 bank statements
6 months of credit card statements
A valid driver's license
At least 2 recent tax returns
Loan application forms
A blood sample 🩸😈
What 2M7 wants from you
Bank statements from the last 3 months
Photo ID
Void cheque
How they treat bad credit
90% chance of rejection
How 2M7 treats bad credit
How bad? You could still get approved. We look at the full picture, including monthly revenue. If you have bad credit but great revenue, reach out. We may be able to fund you.
Many providers focus strictly on high-volume credit card sales. At 2M7, we look at your overall business health and bank deposits, offering more flexible structures and a personal touch you won't find with automated "fintech" lenders.
Are there hidden fees in the contract?
Transparency is our priority. Unlike some competitors who hide administrative or "origination" fees in the fine print, our costs are clearly outlined upfront. You can see how we prioritize clarity on our About Us page.
Can I pay off my advance early?
Yes. We offer early payment incentives that many traditional MCA providers do not. If your cash flow allows you to settle the balance ahead of schedule, we believe you should be rewarded for that success.
Do you require a personal guarantee?
While every file is unique, we prioritize the performance of the business. Our goal is to provide funding that helps you grow without the restrictive personal collateral requirements often found in bank loans or other high-risk lenders.
Do you work with specific industries?
We work across a broad range of sectors. Whether you are looking for Construction funding, Retail support, or Restaurant financing, we have specialists who understand the unique cash flow cycles of your specific industry.
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