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Business Loans for Bad Credit

Yes — you can get business financing with imperfect credit. Lenders look at your cash flow, not just your score.

  • Owners with a personal score under 600
  • Past collections, late payments, or high utilization
  • Businesses with steady revenue but a bruised file

See my options

Takes ~2 minutes · no obligation
6+

months in business

$10K

monthly sales

500

credit score

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🔒 Bank-level security. Won’t affect your credit. We won’t share your info without approval.
Who this financing is for
Business Loans for Bad Credit - business financing from $10,000 to $5,000,000

How financing works for you

Many financing options are underwritten primarily on business performance — monthly sales, time in business, and deposit history — rather than a FICO threshold. That means a weak personal score is a factor, not a disqualifier.

Checking your options is a soft inquiry, so you can compare offers without dinging your credit. If your file improves over time, your terms and pricing typically improve with it.

Options that fit

Working capital and merchant cash advances advance against future sales and weigh revenue most heavily.

Equipment financing is secured by the asset itself, which can carry a deal when credit alone would not, and invoice factoring leans on your customers' credit instead of yours.

Working Capital

Fast, flexible capital to cover cash-flow gaps, seize opportunities, or invest in growth - from $10,000 to $5,000,000.

Merchant Cash Advance

Revenue-based funding repaid as you sell - fast capital for businesses that take card or daily sales.

Equipment Financing

Fund the trucks, machinery, and technology your business needs - without draining cash flow. $10,000 to $5,000,000.

Business Line of Credit

Revolving capital you draw from when you need it - pay only on what you use. From $10,000 to $5,000,000.

What lenders typically look at: time in business, monthly revenue, credit score, and industry
Most applicants are evaluated on these four factors.

More situations we finance

Startup Business Loans

Early-stage capital for founders who are still building revenue history — no long track record required for every option

Unsecured Business Loans (No Collateral)

Get funded without pledging property, savings, or equipment — unsecured options based on your business, not your balance

No-Doc Business Loans

Skip the full paperwork. Bank-statement and low-doc programs decide on your deposits and sales, not a stack of tax retur

Same-Day Business Funding

When the money can't wait. Compare options built for hours-not-weeks decisions and fast disbursement.

Second-Chance Business Loans

Past bankruptcy or defaults don't have to end your business financing options. Here's how to get back in the game.

Business Loans for Low Revenue

Smaller revenue doesn't have to mean zero options. Programs are tiered to fit businesses that are still growing.

Frequently asked questions

Can I get a business loan with a 500 credit score?
Yes — there are options across credit profiles, though pricing and amounts vary. Working capital, equipment financing, and factoring are common fits.
Will applying hurt my credit?
No. Checking your options uses a soft inquiry and does not affect your score.
How much can I borrow with bad credit?
Typically $10,000 to $5,000,000 depending on revenue, time in business, and the product.
Do I need to show tax returns?
Not always — some programs are bank-statement based rather than full-doc.

See what you qualify for

Free, no obligation, and it won't affect your credit.

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