Business Loans for
Bad Credit
A low credit score shouldn't stop your business from growing. We evaluate your business revenue and potential — not just your FICO score. Pre-qualify in about 2 minutes.
Our Approval Standards
No minimum FICO required for all products
We approve based on real business performance
Funding scaled to your business capacity
Of applicants receive at least one offer
No hard credit pull. Takes 2 minutes.
We Look Beyond the Credit Score
Traditional lenders rely almost entirely on credit scores. We use an advanced underwriting model that looks at your whole business story.
Revenue-Based Approval
If your business makes consistent monthly revenue, you have a strong shot at approval regardless of personal credit history.
Time in Business
Even 6 months of operating history is enough to get started. We believe in funding businesses at every stage.
Business Potential
We evaluate industry trends, growth trajectory, and business model sustainability — not just past performance.
The 7 Best Small Business Loans for Bad Credit
If your personal credit is under 600, traditional bank loans are usually off the table. Here are the top 7 financing options structured around your business revenue, cash flow, and assets instead of your FICO score.
Revenue-Based Financing (RBF)
Repay via flexible factor payments tied directly to your monthly bank revenue. Terms up to 24 months with no compounding interest.
Apply for Revenue-Based Financing (RBF)Merchant Cash Advance (MCA)
Advance funded directly against your daily receivables. Ideal for high-transaction businesses needing urgent liquidity.
Apply for Merchant Cash Advance (MCA)Equipment Financing
The equipment you purchase serves as the collateral for the financing, significantly lowering the lender credit requirement.
Apply for Equipment FinancingInvoice Factoring
Get advanced up to 90% of outstanding B2B invoices immediately. Approval is based on your customer creditworthiness, not yours.
Apply for Invoice FactoringShort-Term Working Capital
Fixed daily or weekly ACH payments over 3 to 18 months. Simple documentation: only 3–4 months of business bank statements.
Apply for Short-Term Working CapitalBusiness Line of Credit
Revolving line you can draw from on demand. Only pay costs on the funds you draw, and rebuild your business credit score as you repay.
Apply for Business Line of CreditSBA 7(a) Loans (For 660+ Scores)
Government-guaranteed financing with 10-year terms. If your credit has rebounded to 660+, check your 2-minute automated pre-qualification estimate.
Apply for SBA 7(a) Loans (For 660+ Scores)Arkadian Capital vs. Online Lenders
See how Arkadian Capital compares to OnDeck, Credibly, and National Funding.
| Feature / Standard | Arkadian Capital | OnDeck | Credibly | National Funding |
|---|---|---|---|---|
| Minimum Credit Score | 500+ FICO | 625+ FICO | 500+ FICO | 500+ FICO |
| Minimum Monthly Revenue | $10,000 / mo ($20K+ pref) | $8,333 / mo ($100K/yr) | $15,000 / mo | $20,833 / mo ($250K/yr) |
| Repayment Terms | Up to 24 Months | Up to 12–24 Months | Up to 18–24 Months | Up to 12–18 Months |
| Pre-Qualification Speed | 2-Minute Online Estimate | Same Day | Same Day | Same Day |
| Funding Speed | 24–48 Hours | 24–72 Hours | 24–48 Hours | 24–48 Hours |
| Trucking & Transportation | ✅ Actively Funded → | ❌ Restricted | ⚠️ Strict Overlays | ⚠️ High Factor Rates |
| Early Payoff Discounts | ✅ Available | ⚠️ Limited | ⚠️ Deal Dependent | ⚠️ Varies |
| Documentation Required | 3–4 Mos Bank Statements | Bank Stmts + Financials | 3 Mos Bank Statements | 3 Mos Bank Statements |
Need business capital today?
Soft pull only. No impact to your personal credit score.
Common Questions
What is the minimum credit score required?
We work with credit scores as low as 500. However, other factors like monthly revenue and time in business are equally important. Some of our programs have no minimum credit score requirement.
Will applying affect my credit score?
Our initial qualification check uses a soft pull only — no impact on your credit score. A hard inquiry is only done after you decide to proceed with a specific offer.
Can I get a loan if I've had a bankruptcy?
Yes, in many cases. If your bankruptcy was discharged and your business is currently generating revenue, you may still qualify. Our specialists will evaluate your specific situation.
How much can I borrow with bad credit?
Loan amounts for bad credit borrowers typically range from $5,000 to $500,000, depending on your monthly revenue and time in business. As your business grows and credit improves, you can access larger amounts.
Don't Let Bad Credit Stop You
Pre-qualify in about 2 minutes. Get a decision today. Funding in 24–48 hours.
See Funding Options — Free & EasyNo hard credit pull. No commitment. No cost.