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Arkadian Capital
Fast Approvals · Bad Credit Welcome

Business Funding That Works For You

SBA loans, term loans, lines of credit, and bad credit options, all in one place. Get the capital your business needs to grow, fast.

✓ No Hard Credit Pull to Apply✓ Funding in 24–48 Hours✓ All Credit Scores Considered
$0M+
Total Funded
0+
Businesses Funded
0 hrs
Average Decision
0★ Stars
Customer Rating
Bad Credit? No Problem.

We See Your Business,
Not Just Your Score

Traditional banks turn away thousands of great businesses every year because of a credit score. We take a different approach: evaluating your business revenue, history, and potential.

Even if you've been denied before, even if you have a bankruptcy in your past, we want to hear your story. Our funding specialists work with businesses across every credit spectrum.

  • Minimum 500+ credit score accepted
  • Revenue-based approval decisions
  • No collateral required for most programs
  • Build business credit through our programs
  • Previous bankruptcy OK (case by case)
Explore Bad Credit Options

Quick Qualification Check

Time in Business6+ months
Monthly Revenue$10,000+
Credit Score500+ accepted
Business TypeMost industries
Check If I Qualify →

No hard credit pull. Takes 2 minutes.

✓ All Credit Welcome
Our Process

Funded in 4 Simple Steps

We've made getting business funding simple, fast, and transparent.

01

Apply Online

Complete our secure 5-minute application. No hard credit pull at this stage.

02

Get Reviewed

Our team reviews your application and identifies the best funding product for your business within 1 hour.

03

Receive Offer

Get a customized offer with clear terms, rates, and repayment schedule. No surprises.

04

Funded!

Accept your offer and receive funds directly in your business account in as little as 24 hours.

Start Your Application

Free to apply. No commitment. No hard credit pull.

Google Reviews

Trusted by Business Owners

5.0
Verified Reviews

“Terrance was very helpful and informative. He was very patient and got the deal done for me. I appreciate him and the team's help. I will definitely do business with them again! Thanks”

AN

Antoine Nunn

“D'Onta was very professional and efficient. Highly recommended. Great customer service!”

YJ

Yvette Johnson

“Hello, my name is James, I am with Let Me Help Home Care. Recently got help for some financial support through Arkadian Capital. It was a very pleasant experience, and the outcome far exceeded the initial engagement. Terrance and Chris, both assisted me from the beginning all the way to the end. They made the process nice and smooth. Look forward to keeping our relationship engaging now and in the future. Very pleasant experience.”

JC

James Conway

“Chris has given me courteous and personal attention to all of the requests I have made. He has also given me very good advice on how to handle my future financial needs.”

SG

Skip Guirty

“D'onta Davision was very helpful with assisting me with funding. His services exceeded my expectations. He got me funded in less than 24 hours, which helped a great deal. Thanks much!”

RM

Rick Meals

“Wow. I had an amazing experience. I had zero expectations of getting approved for a business loan. I had no business credit, just an LLC I had for a few years. Him and his team got me approved within 7 days. Plus they got me approved during a very difficult time for me. Words can't express how grateful I was. They were very honest and supportive throughout the process. I really appreciate him and his team. I will most definitely come back and do more business with him.”

TW

Terry Webb

“Good people to work with. Always knowledgeable and helpful. Plus I like working with someone local who's not calling from an office in New York.”

DG

David Gayle

“I had the pleasure of working with Chris Campbell at Arkadian Capital, and I couldn't be more impressed with his professionalism and dedication to helping our business secure the funding we needed.”

QC

Qwik Oil Auto Care

“Chris was very accommodating in the approach of what our funding needs were and patient with questions. He was very thorough and professional throughout the entire process.”

BV

Ben Vlasis

“Terrence made it happen! Tried other places and was not successful. He and his team got it done. Much appreciated!”

SP

Smart PES

“I had an excellent experience with Arkadian Capital and want to extend a huge thank you to Chris Campbell and his team for their outstanding service and professionalism.”

AT

Aaron Thomas

“Terrance is highly professional and gives exceptional insight into understanding how the loan facility process works. Thanks for your help Terrance.”

JE

Jenny Egbele

“Chris Campbell was great to work with. Professional, friendly and thorough. He helped us secure our credit line.”

NS

Nils Stark

“D'onte and Chris were great to work with. Patient with me and my schedule and hiccups. But in the end they did their job and got the funding done. Very professional team.”

JR

Jeff Rutherford

“Terrance with Arkadian Capital provided one of the best customer service and professional experiences that I've had. Very knowledgeable and responsive throughout the entire process.”

SC

Steven Clayton

“We met Terrance Goodloe at the Dallas Small Business Expo in 2024. While at the time we did not require funding, we made a connection that proved invaluable when the time came. Professional and trustworthy.”

OS

Ophion Tactical Security

Direct Funding Resources

Lending Tools, Guides & Comparisons

Compare real approval metrics, estimate repayment costs with transparent factor calculators, and read our latest underwriting updates.

Browse All Resources
Interactive Tool

MCA Factor Calculator

Calculate daily factor rates, estimated payback, and 1 to 24-month terms with upfront fee transparency.

Launch Calculator
Lenders Matrix

7 Best Loans for Bad Credit

See how Arkadian compares to Credibly, OnDeck, and National Funding. 500+ FICO with soft pull eligibility.

Compare 7 Lenders
SOP 50 10 8.1

SBA October 2026 Rules

New 1.25x DSCR requirements, acquisition equity shifts, and fast bridge alternatives when bank timelines lag.

Read SBA Breakdown
Fleet Capital

Trucking Business Loans

$10K to $1M+ for fuel, overhauls, and equipment between freight payouts. 500+ credit with 24–48h wires.

Explore Fleet Funding
The Arkadian Capital funding specialist team
Why Arkadian Capital

We're Different From Traditional Banks

Lightning-Fast Decisions

Most applicants receive a decision within 1 hour. Funds available in as little as 24 hours.

Transparent Terms

No hidden fees. No prepayment penalties. We explain every term in plain English before you sign.

Credit-Flexible Underwriting

We look at your full business picture, not just a credit score. Revenue and consistency matter most.

Dedicated Funding Specialists

You get a real person guiding you from application to funding and beyond.

Learn About Our Story
Ready to Get Started?

Your Business Deserves to Grow

Join thousands of business owners who have trusted Arkadian Capital to fuel their growth. Pre-qualify in about 2 minutes.

NMLS #2575829 • Equal Opportunity Lender • All loans subject to credit approval