
Can you get a business loan without a business checking account? With over 32 million small businesses in America, 8 million of those do not have a business checking account, and they’re unable to get funding from a traditional bank. So we’re going to answer the question today: can you get a business loan without a business checking account? Stay till the very end because we’re going to talk about how you can get up to $5,000 literally in 10 minutes. Let’s dive into it.
Can I Get a Business Loan without a Business Checking Account?
So if you’re looking for fast working capital, to stay in business, to expand, to fix a repair, to buy a new laptop, whatever it may be, typically, a traditional bank loan is not going to work if you have a personal checking account.
In fact, even if you did have a business checking account, the approval rate at a bank for a business loan is only 14%. It’s only climbing a little each month, maybe a 10th of a percent if that.
So big banks do not really care about small business owners, especially if you have a low credit score, you don’t have great credit, you don’t have collateral to put up or anything like that. You’re pretty much on your own.
And that’s how 80% of small businesses die after 10 years. They don’t have enough cash flow. That’s the bottom line.
Business Loan Requirements with Personal Checking Account
So I’m going to talk about the requirements. First of all, I want to get this out of the way. I don’t want to waste your time: this business cash advance is not available in New York or California at this time, but it’s in the rest of the states.
So here are the requirements. If you are doing business, and you’re only using your personal checking account that is fine, we can help you are our application is 100% automated, you can get the funds in as little as 10 minutes.

So you have to be doing at least 3000 a month with your business. This has to be business revenue. You have to be making four business deposits into your personal checking account each month. Now you can use a bank like Wells Fargo or any of the big banks. That’s fine.
We’re not talking really about banking apps right now. We’re just talking about how you’re putting the money into a traditional bank. Now if you’re doing four deposits a month, it has to be 1099 income, then you can qualify.
You can be an independent contractor; you can be self-employed, you can be a gig worker, you can be just any business owner who doesn’t have a business checking account, but does 1099 income then you can apply for this.
So you have to be doing 3000 a month, four business deposits, and the FICO does not matter. FICO is out the window with this business advance. It’s all about your cash flow and how steady your cash flow is.
So if you’ve been doing four business deposits a month for the last three months, doing $3000 a month, the last three months, then you’re good to go.
Now we can get you up to 25% of your monthly revenue. So if you’re doing $5000 a month with your business, you’ll get up to $1250. If you’re doing 10,000 a month with your business, then you can get up to $2,500.
It all depends on your cash flow. It depends on if you have any other outstanding loans.
But that’s the rule of thumb is up to 25% of your business revenue monthly. So if that sounds good, then click the link under this video to apply. It takes five minutes. No hard credit check.
Who Personal Checking Business Loans Are For
If you like the terms, then you’re going to connect your checking account and you’ll get the money within an hour. You might have to talk to a rep on the phone, they’re gonna verify your identity.
That’s normal, especially if we’re giving you money. We want to know that you’re legit, that you have a real checking account and so forth and who you work for.
This is great for you know, like I said independent drivers that work for Uber, Lyft, and DoorDash. Now I know that DoorDash has a special debit card and their own banking. So that’s not going to work.
You have to be putting those deposits into a traditional bank checking account (accepted by Plaid). It has to look like it’s coming from a business entity.
How Can You Use a Business Loan with Personal Checking
So how can you use the money? You can use the money like I said before, to fix repairs, to fix a flat, and you can get this 1099 loan 24/7.
So if you are a DoorDash driver and it is Saturday night and you get a flat tire and you don’t have an extra $500 laying around, you can just go to your phone and apply for this money and get it within an hour and get a tire. If a tire places open or whatever you need to do.
The money is there 24/7 365 days a year. I hope this helps you because so many people are scrambling for money right now as business owners. They don’t have a business checking account or their FICO is too low or they don’t have any collateral; they can’t wait weeks or months for a traditional bank loan. This is it. This is your only opportunity to get fast working capital today.