The answer varies as there are many factors funders will take in consideration to approve a business other than just credit history. However, it is important to note that most funders are more focused on the outstanding invoices (and the payment history of those customers) versus the business’s credit history. The reason being is that the funder will collect the payments on the outstanding invoices once the funder purchases the invoices from the business. This does not mean that each funder works this way, and may vary based on the funder that purchases your invoices. An important tip is to ensure you are selling business invoices that have a good history of on time customer payment, this will give you higher chances of being approved by a funder.