Bad Credit Business Funding

Your complete guide to securing funding with less-than-perfect credit

500+
Min Credit Score
$100K+
Possible Funding
24-48hrs
Fast Approval

What Credit Score Do You Need?

650-850
Good to Excellent

All funding options available

600-649
Fair Credit

Most alternative lenders, higher rates

550-599
Poor Credit

Alternative lenders, merchant cash advance

500-549
Bad Credit

Secured loans, invoice factoring, revenue-based

Best Funding Options for Bad Credit

Revenue-Based Financing

Min Score: 500+Amount: $10K-$500KSpeed: 1-3 days
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Pros

  • ✓Based on revenue, not credit
  • ✓No collateral required
  • ✓Fast approval

Cons

  • ⚠Higher cost
  • ⚠Daily/weekly payments

Invoice Factoring

Min Score: No minimumAmount: $5K-$5MSpeed: 24 hours
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Pros

  • ✓Based on customer credit
  • ✓Immediate cash flow
  • ✓No debt on balance sheet

Cons

  • ⚠Customer notification
  • ⚠Fees per invoice

Merchant Cash Advance

Min Score: 500+Amount: $2.5K-$250KSpeed: Same day
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Pros

  • ✓Very fast funding
  • ✓Flexible repayment
  • ✓High approval rate

Cons

  • ⚠Highest cost option
  • ⚠% of daily sales

Equipment Financing

Min Score: 550+Amount: $5K-$5MSpeed: 2-5 days
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Pros

  • ✓Equipment is collateral
  • ✓Easier approval
  • ✓Builds business credit

Cons

  • ⚠Only for equipment
  • ⚠Down payment may be required

Improve Your Approval Odds

📊

Show Strong Revenue

3-6 months of bank statements showing consistent income

💼

Time in Business

6+ months makes you more attractive to lenders

📝

Solid Business Plan

Show how you'll use and repay the funding

💳

Separate Business Account

Don't mix personal and business finances

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Growing Business

Show month-over-month revenue growth

🤝

Good Banking History

No NSFs, maintain positive balance

Get Funded Regardless of Credit Score

We work with lenders who specialize in bad credit business funding

Check Your Options →