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Bad Credit Business Loans – Fast, Flexible Funding

For Small Business Owners

NO OBLIGATION QUOTE

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What Are Bad Credit Business Loans?

Bad Credit Business Loans are designed to help small business owners with credit scores below 600 get access to working capital when traditional banks say no. These loans can be used to cover daily expenses, pay off debts, buy equipment, or maintain cash flow—even if your credit history isn’t perfect. While terms are typically shorter (3 to 18 months) and interest rates slightly higher than traditional bank loans, these funding options are built to help you rebuild your credit and strengthen your financial position. By making on-time payments, you can improve both your personal and business credit scores, opening the door to better funding opportunities in the future.

 

Quick Funding Facts

Loan Amounts

$1,000 – $5,000,000

Rates Rates

Starting at 1–6% per month

Terms:

3 months – 5 years

Funding Speed

1–3 business days

How Do Bad Credit Business Loans Work?

Unlike banks that rely heavily on credit scores, alternative lenders look at your sales, cash flow, and overall business performance. Depending on your business needs, you can choose from several flexible funding options such as lump-sum advances, revolving credit, or equipment-backed financing.

Top Loan Options for Bad Credit

  1. Business Line of Credit: Access funds as needed and only pay interest on what you use—perfect for ongoing cash flow management.
  2. Equipment Financing: Buy the equipment or machinery your business needs using the equipment itself as collateral.
  3. Merchant Cash Advance (MCA): Receive a cash advance repaid through a small percentage of your future credit card or debit sales.
  4. Working Capital Loan: Get quick cash for payroll, inventory, rent, or other short-term expenses.
  5. Revenue-Based Financing: Approval is based on your monthly revenue, not your credit score.
  6. Invoice / Receivables Factoring: Sell your unpaid invoices to get immediate working capital while the factoring company collects payments from your customers.

The Role of Personal Credit in Business Loans

  • Higher Credit Scores: Increase your chances of approval and qualify for larger loan amounts.
  • Lower Interest Rates: Save money by demonstrating financial responsibility.
  • Longer Terms: Good credit may qualify you for longer repayment periods.
  • Reduced Collateral: Strong credit can help you avoid additional collateral requirements.

Why Choose a Bad Credit Business Loan?

  • Maintain consistent cash flow
  • Purchase equipment or inventory
  • Cover payroll and daily expenses
  • Consolidate high-interest debt
  • Rebuild your credit for future funding

Get Funded Today — Even With Bad Credit

Fast approvals, flexible terms, and funding in as little as 1 business day. Take control of your business finances now.

Start Your SBA Loan Application