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. Apply in 5 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.
Funding Options for Bad Credit
Multiple paths to funding, even with imperfect credit.
Merchant Cash Advance
Get funded based on monthly card sales volume. Best for businesses with consistent card transactions.
Apply for This OptionShort-Term Business Loan
Fixed payments over 3–18 months. Great for immediate capital needs.
Apply for This OptionRevenue-Based Financing
Repay as a percentage of monthly revenue. Payments flex with your business performance.
Apply for This OptionBusiness Line of Credit
Revolving credit you can draw from repeatedly. Only pay interest on what you use.
Apply for This OptionCommon 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
Apply in 5 minutes. Get a decision today. Funding in 24–48 hours.
Apply Now — Free & EasyNo hard credit pull. No commitment. No cost.