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.
- Owners with a past bankruptcy or default
- Businesses rebuilding after a rough stretch
- Those with gaps in their credit history
See my options
months in business
monthly sales
credit score
- Owners with a past bankruptcy or default
- Businesses rebuilding after a rough stretch
- Those with gaps in their credit history
- Companies with current, steady revenue
How financing works for you
Second-chance financing focuses on what your business is doing now: deposits, sales, and how long you've been operating. A resolved bankruptcy or old collections weigh far less than current cash flow.
Expect smaller amounts and higher cost at first. Performing on a smaller facility is the fastest way to earn larger offers and better pricing next time.
Options that fit
Merchant cash advance and working capital are the most accessible second-chance products because they lean on revenue.
Equipment financing uses the asset as security, which can offset credit concerns, while factoring relies on your customers' credit.
Merchant Cash Advance
Revenue-based funding repaid as you sell - fast capital for businesses that take card or daily sales.
Working Capital
Fast, flexible capital to cover cash-flow gaps, seize opportunities, or invest in growth - from $10,000 to $5,000,000.
Equipment Financing
Fund the trucks, machinery, and technology your business needs - without draining cash flow. $10,000 to $5,000,000.
Invoice Factoring
Turn unpaid invoices into immediate cash. Funding against invoices aged up to 90 days - $100K+.
More situations we finance
Business Loans for Bad Credit
Yes — you can get business financing with imperfect credit. Lenders look at your cash flow, not just your score.
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.
Business Loans for Low Revenue
Smaller revenue doesn't have to mean zero options. Programs are tiered to fit businesses that are still growing.