Is it Possible to Get a Business Credit Card With No Credit Check?

Yes, you can get a business credit card without a personal credit check through revenue-based providers like Ramp and similar fintech platforms. These cards evaluate your business's cash flow and bank balances instead of your personal credit score. You'll typically need $20,000 to $25,000 in business bank accounts and a formal business structure like an LLC or corporation, and most options exclude sole proprietors.

What "no credit check" actually means

Most business credit cards claiming "no credit check" still verify something, just not your personal credit. These cards evaluate your business's financial health, such as cash flow or bank balances, instead of pulling your personal credit report. Traditional business cards require personal guarantees that make you personally liable for business debt, while revenue-based cards shift the approval decision to your company's actual financial performance.

Revenue-based card options

Several providers genuinely skip personal credit checks, though they each have specific requirements:

• Spend management platforms: Platforms like Ramp require at least $25,000 in a business bank account and include integrated expense management features, though they exclude sole proprietors.
• Cash flow-based providers: Other revenue-based providers evaluate companies based on actual cash flow and can provide credit limits significantly higher than traditional business credit cards.
• Structure requirements: Most require an EIN and prefer formal structures like an LLC, corporation, or partnership because these cards assess business credit separately from personal credit through business financials.

The common thread across all these options is that they evaluate your business's actual financial performance rather than your personal credit history.

What they check instead

These cards don't pull personal credit, but providers still check public records including liens, bankruptcies, and judgments against your business, while also verifying your business registration status and operational history. Most importantly, they analyze business bank account balances and cash flow patterns to assess financial health, which makes them particularly useful for companies with 50-200 employees that have strong revenue but poor personal credit.

Alternative options and trade-offs

Beyond revenue-based cards, your alternatives are limited. Secured business credit cards require security deposits but still perform credit checks with more lenient standards. Prepaid business cards and most business debit cards require no credit checks because they're not extending credit, but you're spending money you've already deposited, eliminating the credit-building benefits that make business credit cards valuable.

Revenue-based cards come with specific requirements and trade-offs:

• Higher cash requirements: You'll need $20,000-$25,000 minimum in business bank accounts and must connect your account for underwriting review
• Formal business structure: Most require an EIN and established business entity, which means sole proprietors often need to form an LLC or corporation first
• Simplified rewards: Fewer rewards in exchange for easier qualification, typically flat cash back rates instead of category bonuses or travel benefits
• Scaled credit limits: Your credit limit scales with your business financials, which can be advantageous if you're growing quickly or limiting if your cash position fluctuates

This trade-off makes sense for companies with solid business fundamentals that can't access traditional credit due to personal credit history.

Frequently asked questions

Can sole proprietors get business credit cards without credit checks?

Some no-credit-check options are available to sole proprietors, but most revenue-based cards require a formal business structure with an EIN. If you're operating as a sole proprietor, you'll have limited choices and may need to consider forming an LLC first.

Do revenue-based business cards build my business credit?

Most revenue-based cards report to business credit bureaus, which helps build your business credit profile over time. The advantage is you can establish business credit without risking your personal credit score during the application process.

How are business credit card limits determined without credit checks?

Credit limits scale with your business's financial health as shown in your bank account data. Providers analyze your average daily balance, monthly revenue patterns, and cash flow trends to set limits that align with your actual spending capacity.