Yes, one of the main advantages of Payability is that they do not run credit checks. Qualifications depend entirely on your strength as a seller in the marketplace.nnWe should note that Payability does run a background check on applicants, but they do not look at your credit history.nnTo qualify for Instant Access, you’ll need at least 3 months of selling history and monthly sales revenue of $10,000. For the cash advance, you need 9 months of selling history and an average of $50,000 in sales per month.