How do I get a business loan with bad credit?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

To get a business loan with bad credit: focus on revenue-based products (MCA, working capital, factoring), apply with alternative lenders accepting 500+ FICO, ensure 6+ months in business, maintain $10,000+ monthly revenue, prepare strong 3-month bank statements, consider equipment financing where the equipment is collateral.

Key Details

  • Apply with alternative lenders (500+ FICO)
  • Choose revenue-based products
  • Strong recent bank statements help
  • Equipment financing collateral helps
  • Avoid stacking — pay down existing debt
  • Co-signer with strong credit can help
Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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