A Realistic Look at No-Credit-Check Business Loans
If your credit score isn’t where you want it to be, the idea of a lender pulling your credit might make you hesitate—or even stop you from applying altogether.
You’re not alone.
The good news is that you can get a business loan with no credit check—but these loans work a little differently, and they may not be the best fit for every situation.
In this guide, we’ll explain when a business loan with no credit check is possible, what types of funding are available, and what you should watch out for along the way.
Do No-Credit-Check Business Loans Really Exist?
Yes—but they’re not always “loans” in the traditional sense.
Most traditional lenders (like banks or credit unions) will run a personal or business credit check as part of their approval process. However, some alternative lenders and funding providers offer options that skip the credit pull, focusing instead on:
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Monthly revenue
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Business cash flow
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Daily credit card sales
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Length of time in business
These lenders are more concerned with how your business performs now than with your past credit history.
Types of Business Funding That May Not Require a Credit Check
Here are several funding options that typically do not require a hard credit check:
Merchant Cash Advance (MCA)
This isn’t a loan, but a cash advance based on your future sales. You repay the advance as a percentage of your daily or weekly credit card transactions.
✔ No credit check required by many providers
✔ Fast approval (often within 24–48 hours)
✘ High fees and frequent payments
✘ Best for businesses with strong daily sales
Revenue-Based Loans
These loans are based on your business’s current monthly revenue. Some lenders may do a soft credit check—or none at all.
✔ Flexible repayment tied to income
✔ Based on recent bank statements
✘ May require consistent revenue of $5K/month or more
Invoice Factoring
You sell unpaid invoices to a lender in exchange for immediate cash. The lender collects from your customer later.
✔ No personal credit check
✔ Good for B2B companies
✘ Limited to businesses with outstanding invoices
Vendor Credit or Net-30 Accounts
Some suppliers offer financing terms (e.g., pay in 30 days) that don’t require a credit check and may even help build business credit over time.
✔ Easy entry point
✔ No credit check with some vendors
✘ Limited to specific purchases
Pros of No-Credit-Check Business Funding
✅ Fast approval and funding
✅ No impact on your credit score
✅ More accessible for business owners with poor or no credit
Cons to Consider
❌ Higher interest rates or fees
❌ Shorter repayment terms (sometimes daily or weekly)
❌ Limited options if your business is brand new or has inconsistent revenue
❌ Some offers labeled “no credit check” still check other risk factors (like bank activity or industry type)
📌 Tip: Always ask whether the lender performs a “hard” or “soft” pull—and whether one is required at any point in the process.
What If You Don’t Qualify?
If your business is too new or doesn’t have the cash flow needed for no-credit-check funding, here are a few other options:
✅ Credit card stacking (if your credit is fair or better)
✅ Friends or family loans
✅ Microloans from local nonprofits
✅ Building business credit with vendor accounts before reapplying
✅ Want Help Finding the Right Fit?
You don’t need perfect credit to move your business forward. There are lenders out there who focus on what your business is doing—not what your credit says.
Download our Ultimate Business Funding Guide to explore funding types, compare options, and prepare with confidence.
Or Get Pre-qualified (below) to be matched with no-credit-check (or credit-flexible) funding options based on your revenue, industry, and goals.