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Flexibility Capital is a financial services company based out of New York, New York. We provide alternative financing solutions to small businesses across the U.S. Since 2018, we have secured over $1 billion in funding for our clients, offering competitive rates, fast decisions, and flexible terms. Our mission is to support passionate entrepreneurs by removing financial barriers and empowering them to grow. Whether you’re expanding a gym location, investing in new equipment, or managing cash flow, we’re here to help. Our team is committed to delivering personalized service that makes the entire process simple, transparent, and effective. With an outstanding 4.9 star TrustScore and more than 1,100 verified Trustpilot reviews, Flexibility Capital has become a trusted name in small business funding across every industry. More Than Just Funding: Your Partner in Success At Flexibility Capital, we believe success isn’t just measured in dollars—it’s in the growth stories of the businesses we serve. Our customers include franchise owners, contractors, retailers, and professionals across countless industries. Many of these are small businesses that rely on fast, reliable access to capital to stay competitive and seize opportunities. One example is Marc, an Anytime Fitness owner who used Flexibility Capital to open a brand new gym location. With our support, he turned vision into reality—proving how powerful access to funding can be for small business owners. You can watch his full testimonial on our YouTube channel, where he describes how our fast funding, excellent service, and smooth process gave his business the momentum it needed. Our Foundation: Built on Experience and Trust From day one, Flexibility Capital was created to fill a gap in the financial landscape. We saw how traditional lenders often leave small businesses behind—and we knew there had to be a better way. We built a modern lending company focused on speed, support, and transparency. Today, our clients choose us because of our proven track record, our people-first culture, and our commitment to delivering what we promise. Our values—communication, integrity, and trust—guide every interaction, ensuring our customers always know where they stand and what to expect. The Origin Story of Flexibility Capital Founded in 2018, Flexibility Capital was born from the idea that supporting passionate entrepreneurs is essential to building stronger communities and a more resilient American economy. We saw how traditional lenders overlooked small businesses, and we set out to change that. From humble beginnings, we’ve grown into a national lending partner—funding over a billion dollars and helping thousands of small businesses across nearly every industry take their next step. In 2024, our continued impact and momentum were recognized when Flexibility Capital was ranked on the prestigious Inc. 5000 list of the fastest-growing private companies in America. A Track Record of Success Flexibility Capital has helped small businesses across the U.S. achieve measurable growth by offering tailored funding options, transparent pricing, and a responsive team that genuinely cares. Our team isn’t just experienced—they’re passionate, attentive, and go above and beyond to ensure every customer feels supported from start to finish. Their dedication is a major reason businesses trust us again and again. Here’s why customers choose us: Let’s Build Your Business Together If you’re a small business owner ready to take your next step, Flexibility Capital is here to help. Visit our website to apply or learn more about our products, pricing, and the process. Let’s make your vision a reality—together.

Accessing fast, flexible business funding is one of the most important challenges facing small business owners today. For many, a traditional business loan is hard to qualify for due to credit score requirements, long approval times, or the need for personal guarantees. That’s why more entrepreneurs are turning to online lenders and alternative financing options to get a business loan quickly—without damaging their credit or with the concern of having “bad credit”. One of the most searched-for solutions? Guaranteed business loans no credit check. But what does “no credit check” really mean? And is it different from a soft credit pull? In most cases, these two terms are referring to the same process—a way to check eligibility without affecting your personal credit score. We will break down how soft pulls and no credit check loans actually work, how they compare to traditional business loans, and how Flexibility Capital uses this approach to offer fast, transparent small business financing designed for growth. Why Traditional Business Loans Don’t Work for Every Business For years, small business owners have been expected to meet strict requirements just to apply for a business loans. Most business loans offered by banks and other institutions require a minimum credit score, several years of business history, tax documents, and even personal collateral. Some SBA loans (Small Business Administration-backed funding) require extensive documentation, a personal credit check, and can take weeks to process. This puts a strain on small business owners who need to raise money quickly, especially if they’re still building their business credit score or dealing with bad personal credit. Whether it’s a seasonal dip in cash flow, an equipment purchase, or a hiring opportunity, waiting weeks—or getting denied because of a bad credit score—just isn’t viable. That’s why many entrepreneurs look beyond standard business loans and explore financing options that require fewer barriers, like soft credit pull loans or loans with no credit check. How Alternative Lenders Evaluate Credit Differently Unlike traditional institutions, alternative business lenders prioritize your business’s financial health—not just a credit check. Rather than relying solely on your personal credit, they assess your eligibility through cash flow trends, annual revenue, and business activity. This allows them to offer business loans to owners who may not have the good credit scores required by a bank, but who still run strong, profitable operations. At the center of this evaluation is the soft credit pull—a credit check that doesn’t show up on your credit report and doesn’t affect your score. This is the standard approach used by most lenders in the alternative space and is often what’s meant when a company offers a business loan with lower credit scores or a no credit check business loan. What Is a Soft Credit Pull? A soft credit pull, also known as a soft inquiry, is a limited review of your credit report that doesn’t affect your credit score. This limited view of your credit profile includes basic information from your business credit reports and personal data like outstanding debts, payment history, or public records. But unlike a hard credit inquiry, it does not impact your credit scores or appear as a visible credit check to other lenders. Soft pulls give lenders just enough insight to offer pre-approval while protecting your personal credit. They’re ideal for small business owners who want to explore business financing options without taking on unnecessary credit risk. Importantly, soft pulls are often combined with business data like average monthly deposits, loan payments, and outstanding invoices to build a full picture of your creditworthiness. At Flexibility Capital, every product starts with a soft credit pull. What Are No Credit Check Business Loans? A no credit check business loan refers to loans that begin with a soft pull or a limited credit check that doesn’t affect your credit score. The phrase “no credit check” can be confusing, but in today’s lending world, most business loans advertised as “no credit check” still involve a credit inquiry—just not one that impacts your credit score. Some types of loans with no credit check at all do exist. These include merchant cash advances and invoice factoring, where lenders review your daily transactions or outstanding invoices instead of your credit file. These products are often used by businesses with bad credit or limited credit history, and approval is based primarily on cash flow. However, these solutions tend to be short-term in nature. They usually come with faster repayment schedules, higher fees, and less transparency. While they don’t require a credit check or personal guarantee, they may not be the best option for long-term growth. By contrast, soft pull loans combine the credit safety of a no credit check loan with the structure and accountability of traditional business financing. That’s why they’ve become the go-to solution for many small business lenders. How Flexibility Capital Uses Soft Pulls At Flexibility Capital, we offer several funding options that consider less than perfect credit scores—so your score stays protected during the application process. Here’s how our small business loans work: Each of these products is designed to help small businesses grow—without unnecessary credit damage, lengthy applications, or personal guarantees. Soft Pulls vs. Credit Check Loans: Why It Matters A full credit check loan often involves a hard inquiry, which can temporarily lower your personal credit score and become visible to other lenders. For some business owners—especially those already dealing with poor personal credit—this can create barriers to future borrowing. On the other hand, a soft pull allows you to get pre-approved for funding without risk. You maintain access to small business financing while keeping your credit score intact. This is especially valuable if you’re also planning to apply for personal loans, use a business credit card, or refinance in the future. The reality is: most lenders offering “no credit check loans” are simply using soft pulls, not skipping credit checks entirely. This model strikes a balance between responsible lending and accessible approvals—especially for businesses who may not meet a traditional bank’s minimum credit score