By situation

Business loans with bad credit: options that lean on your revenue

A low credit score closes some doors, not all of them. These funding types focus on the money moving through your business.

Many funders weigh your monthly revenue and bank activity more than your credit score. If your business has steady deposits, you likely have options.

Options to consider

Revenue-based financing
Merchant cash advance
Invoice factoring (your customers' credit matters more)
Equipment financing (the equipment secures it)
Working capital from alternative funders

Improve your odds

Keep business income in one business account.
Avoid overdrafts before applying.
Borrow what you need, not the maximum offered.
Pay on time to build a record for better terms next time.

Full guide: how to get a business loan with bad credit.

Questions owners ask

What credit score do I need for a business loan?

It depends on the lender and product. Banks generally want good credit; many alternative funders focus on revenue and accept lower scores, usually at a higher cost.