They pulled Experian for me.
You also have to give them access to your bank account and other services. I had to add multiple services before I was approved for a $42,000 limit.
It's not like a credit card. They are short term high interest loans.
My personal scores are in the mid 600's and the little business credit I have is good. My APR with them is 42%. The way they do the fees it's tough to see that upfront.
For me it works when I need to buy inventory that has high margins. So I don't mind paying $2,500 on $10,000 if it means I can sell the merchandise for $20,000 - $30,000 and it's something I wouldn't be able to do without the loan.
Otherwise it is too expensive to use.
