Why revenue, not credit score, should decide who gets business funding in 2026

““We start with what the business is generating, not what a score says about the owner.” — Sahil Khaleque, Managing Director, Outcome99”

VANCOUVER, British Columbia, Canada – September 2, 2026 – Outcome99 Managing Director Sahil Khaleque discusses the underwriting philosophy behind the company’s funding model, which evaluates businesses primarily on revenue rather than personal or business credit history, and what that approach means for businesses across the United States and Canada.

Q&A: The Underwriting Philosophy Behind Outcome99

Why build a funding model around revenue instead of credit score?

“Credit score was built to answer a different question than the one lenders use it for,” said Khaleque. “It tells you how a person has handled debt, not how a business is performing today. We think that’s the wrong starting point, and honestly, we think most of the industry already knows it and just hasn’t changed.”

Does that mean credit history doesn’t matter at all?

“For a lot of the businesses we look at, credit history is close to noise,” Khaleque said. “It’s easy to pull and easy to standardize, and that’s probably the real reason it became the default, not because it’s predictive. Revenue is harder to normalize across industries, but it’s the number that actually tells you whether a business can pay you back.”

How does this philosophy shape the way Outcome99 structures a deal?

“We’re not trying to fit businesses into a checklist,” Khaleque said. “Depending on the situation, we might fund a business directly, or we might structure the deal around a family office or another capital partner. What doesn’t change is that we start with what the business is generating, not what a score says about the owner.”

From the capital partner side, why does a revenue-first approach make sense?

“Most personal credit models were never built to evaluate a business at all. They were built to evaluate an individual’s consumer debt behavior,” said Pasha Baradaran, Managing Partner at Outcome99. “The industry has been running that model against businesses for decades and calling the results underwriting. We think that’s a mismatch, not a standard.”

How does this show up in how Outcome99 works with businesses day to day?

“A lot of the businesses we talk to aren’t struggling. Their credit file just hasn’t caught up to what they’re actually doing,” said Emroz Alam, Strategy and Relations at Outcome99. “If revenue already tells that story, the score is the part that’s behind, not the business.”

The revenue-first approach reflects a broader shift Outcome99 has observed among small and mid-sized businesses, particularly those with strong cash flow but limited time in business or conventional collateral. For these businesses, revenue-based evaluation offers a more direct path to capital than approaches built primarily around credit history.

Businesses interested in Outcome99’s revenue-based evaluation process can learn more at outcome99.com.

About Outcome99

Outcome99 is a fast business loan company servicing businesses across the United States and Canada. The company provides fast capital, from $10,000 to $5 million, approved in 24 hours or less, with flexible terms built around each business rather than the other way around. As a business’s track record grows with Outcome99, so do its rates and limits. Credit score is not a factor; Outcome99 evaluates businesses based on revenue, not credit history.

Media Contact
Company Name: Outcome99
Contact Person: Emroz Alam
Email: Send Email
Phone: +1 (778) 683-2998
Address:329 Howe St, Unit #818
City: Vancouver
State: British Columbia V6C 3N2
Country: Canada
Website: https://outcome99.com/

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