Bad credit business loans for 2026 — what works and what doesn't.
Rankings based on speed of funding, approval rates, transparency of terms, customer experience, and total cost. Updated annually.
Approved at 500+ FICO, focus on revenue and cash flow over credit score.
Requirements: 500+ FICO, 6+ months, $10K+ revenue
Lowest credit threshold of any funding product. Repaid via daily card sales.
Requirements: 500+ FICO, strong card sales
Equipment serves as collateral, opening approval at lower credit scores.
Requirements: 550+ FICO, 6+ months
Approval based on customer credit, not yours. Personal credit barely matters.
Requirements: Strong B2B customers required
Mission-driven lenders for amounts $1K-$50K. Often work with bad credit.
Requirements: Various, often credit-flexible
Get a personalized recommendation in 4 minutes. No credit impact.
Take Eligibility Quiz →