Bad Credit Business Funding

Struggling to get funding because of bad credit? Smarter Business Funding connects you with lenders who look beyond your score. Explore options and get pre-qualified now.

Get Business Funding—Even with Bad Credit

Real Options for Entrepreneurs Ready to Move Forward

Credit Isn’t Everything—And It Shouldn’t Be

If you’ve been turned down for a loan because of your credit score, you’re not alone. Many hardworking business owners are caught in the gap between needing capital to grow—and being judged for past financial hardship.

At Smarter Business Funding, we believe your credit history shouldn’t be the only thing that defines your future. We work with a network of lenders who offer bad credit business funding based on real-life criteria—like revenue, time in business, or collateral—not just a number.

Read how alternative lenders evaluate business funding at NerdWallet

What Lenders May Look For Instead

While traditional banks rely heavily on credit scores, many alternative lenders are more flexible. They may evaluate:

  • Time in business (3–6 months or more)

  • Monthly or annual revenue

  • Recent bank statements

  • Current debt and cash flow, not just your credit score

  • Inventory, equipment, or other business assets

Tip: If your business has consistent income, you may qualify for revenue-based funding regardless of personal credit score.

Business Funding Options for Bad Credit

Even with a low credit score, we can help you explore:

  • Merchant cash advances (MCA) – based on future sales

  • Short-term working capital loans

  • Invoice or receivables financing

  • Secured equipment or vehicle loans

  • Co-signer or partner-based options

  • Startup-friendly options like credit card stacking

Learn more about bad credit business loan types at Nav

Who This Is For

We help business owners who:

  • Have a personal credit score below 650

  • Have been denied by traditional banks

  • Are rebuilding credit after financial setbacks

  • Run cash-based businesses that don’t fit into standard models

  • Want fast access to funding without a hard credit check

Let’s Find a Funding Option That Works for You

You’re not applying today—just getting pre-qualified to explore options.
We’ll ask a few simple questions about your business and connect you with lenders who offer bad credit business funding that fits your situation.

No judgment. No games. Just solutions.

Get Pre-qualified Today!