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▼
Revenue-Based Financing
Min Score: 500+Amount: $10K-$500KSpeed: 1-3 days
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▼
Invoice Factoring
Min Score: No minimumAmount: $5K-$5MSpeed: 24 hours
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▼
Merchant Cash Advance
Min Score: 500+Amount: $2.5K-$250KSpeed: Same day
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▼
Equipment Financing
Min Score: 550+Amount: $5K-$5MSpeed: 2-5 days
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
📈
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 →