Citizens SP & Bank Statement Approval —— Any Other Banks Like Them?

[TeenWolf]

I recently applied, and was approved, for a Citizens BLOC with nothing more than a soft pull and 3 biz bank statements. This is about as ideal as it gets! Are there any other known banks or CUs that do either a SP for approval, use bank statements as their sole required docs, or, like Citizens, do both? I thought I remembered reading that PNC has similar underwriting for their BLOCs, but I can't seem to find it.

[4sallypat]

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@TeenWolf wrote:

I recently applied, and was approved, for a Citizens BLOC with nothing more than a soft pull and 3 biz bank statements. This is about as ideal as it gets! Are there any other known banks or CUs that do either a SP for approval, use bank statements as their sole required docs, or, like Citizens, do both? I thought I remembered reading that PNC has similar underwriting for their BLOCs, but I can't seem to find it.

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Yes, there are the new fintech banks that will lend (charge cards) solely based on EIN, income statements, bank statements, bank account links and never pulls your credit:

Divvy, Brex, Capital On Tap, Torpago, Rho, Kleer, Corpay.....

[TeenWolf]

Thanks, @4sallypat! Of the ones you listed, it appears Capital On Tap is the only option for carrying a balance longer than 30 days😢

Do you know of any other banks or credit unions that do either a soft pull or use bank statements for approval of their LOCs/BLOCs?

[TryItAgain]

Grats on the approval.  Where did you applay for the BLOC via SP, just hitting apply now on their website and was a soft pull?  I have the Citizens business credit card and that was soft but did not know the BLOC was SP.

I'm buying a new house this year and want that BLOC but do not even want a whiff of a chance of a HP and scared to hit that Apply Now button without a hug 1st and some SP re-assurance lol.

[TeenWolf]

Thanks, @TryItAgain!

I opened up a Citizens Biz credit card about a year ago, and that was a SP for me as well. I can confirm, in my case anyway, that the BLOC was a SP.

You can see why I'm foaming at the mouth to find more lenders like this!

[TryItAgain]

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@TeenWolf wrote:

Thanks, @TryItAgain!

I opened up a Citizens Biz credit card about a year ago, and that was a SP for me as well. I can confirm, in my case anyway, that the BLOC was a SP.

You can see why I'm foaming at the mouth to find more lenders like this!

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Thanks for the response.  Was that from hitting the standard apply now button on their BLOC page or from an invite another way?

[TeenWolf]

Standard "Apply Now" button.

[TryItAgain]

Awesome thanks!

[Anonymous]

Could you supply DP's? Interest rate, limit, documents requested? Am seriously considering this one, but after the long wait time for the CC would like to know if it's worthwhile.