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BUSINESS LOANS

$4,000 – $1,000,000

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EASY APPLICATION,

NO OBLIGATION

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COMMITTED TO

HELPING YOU GROW

Bad Credit Business Loans

Congratulations, you did it, you opened a small business and are doing great, but now you have bigger aspirations. You want to expand, do some marketing, hire new staff, maybe remodel or even add inventory and so you apply for a small business loan only to find out that you have been declined. Why do you ask? This is a loaded question, but the number one contributing factor is bad or poor credit.

We understand it takes a lot of courage and initiative to be a business owner and at one point or another your business may need working capital, renovations, or need to expand, the list goes on and on. Having access to capital for your business is important and receiving a bad credit business loan, regardless of your credit will become vital.

What is a Bad Credit Business Loan?

Bad credit business loans are small business financing options that do not otherwise require a high fico score needed for approval. Not long-ago banks and credit unions were a small business only option, you either fit or you get declined, and unfortunately, that came to a whopping 78% decline rate, bad credit small business loans were nonexistent. Alternative Lenders like Capital for Business offer a business lending model much different from your traditional banks and credit unions, let us call it a breath of fresh air.

Does a Bad Credit Business Loan Come with Guaranteed Approval?

Business loans with bad or poor credit do not offer guaranteed approval, just like having good credit doesn’t offer guaranteed approval, but we have a vast marketplace of 100+ lenders and our approval rate of bad credit business loans comes close to 90% approval rate. Immediately you think that you will have to provide tons of collateral or assets, our marketplace of lenders provides many unsecured business loans that will not require any assets to be leveraged at all.

 

Types of Bad Credit Business Loans

 

Business Line of Credit

A business line of credit provided by Capital for Business is based on the revolving credit. That means you can use the funds over and over again. Having a business line of credit provides you with extra flexibility and peace of mind when it comes to injecting money into your daily operations. It helps you avoid downtime and make sure things are running smoothly

Small Business Loan

A small business loan from our marketplace of 100+ alternative lenders will enable you to get the capital you need for your business growth. Our high approval rates mean that we say ‘Yes’ when banks say no. Our lending process which takes less than 5 minutes will not affect your fico score and we boast a 24-hour loan approval.

Working Capital Loan

Working Capital loans can help you take care of immediate needs in your business, whether that is a cash-flow shortfall or a new business opportunity. No collateral is required for our working capital loans or short-term funding, the required documentation is limited and perfect credit is not needed. Nearly every industry can get a working capital loan. Working capital loans are perfect for business owners who need short-term funding to grow. Working capital loans are simple, fast, and affordable and are designed to help with seasonal shortcomings with revenue, or the need to boost inventory.

Merchant Cash Advance

A Merchant Cash Advance is an innovative alternative to a traditional small business loan. Capital for Business utilizes your expected future credit and debit card sales to be able to provide you with working capital so you can put your business plans into action. Instead of fixed daily payments, the repayment for an MCA is completely flexible.

Equipment Financing

Are you in the need of new business equipment but don’t have the necessary capital on hand to pay for it? Equipment financing done with Capital for Business is truly simple fast and affordable. We are a top-of-the-line marketplace alternative lender that can provide you with same-day funding to purchase any type of equipment that your business may need. Whether software, heavy construction equipment, vehicles, and much more. You will repay your equipment loan with low monthly payments and we keep the upfront cost minimal to something that your business can afford.

Invoice Factoring 

At Capital for Business, Invoice factoring is a quick and flexible source of funds for businesses that are waiting for outstanding receivables to pay. We simply utilize your accounts receivable as the collateral and advance funds against the face value of your invoices. Invoice factoring allows your credit line to grow proportionately with your sales cycle. We can fund as little as $5,000 a month and up to $2.5 million for larger companies.

Why should you apply for our Business loans for bad credit?

Capital for Business has been serving small businesses for over 15 years and knows what the entrepreneurs value the most. That is why we offer:

  • 90% approval rates with business loans for poor credit.
  • custom-tailored service with a dedicated loan specialist.
  • reasonable eligibility requirements.
  • flexible repayment terms on a daily, weekly, bi-weekly, or monthly basis.
  • hassle-free application process.
  • same-day approval.

How to Get a Business Loan With Bad Credit

OUR EASY BUSINESS LOAN APPLICATION PROCESS

Get Business Funding With Bad Credit in as Little as 24 Hours

In just three easy steps, you can access the right financing solution for your business. Our fast application and 24-hour funding process give you the working capital needed to grow your business in no time!

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Complete a single small business loan application. It takes less than 5 minutes.

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The best small business financing options tailored to your business needs.

fast business loansReceive funds in as
little as one day!

Capital for Business makes your small business financing experience fast, simple, and affordable.

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FAQ: Business Loans for Bad Credit

Even with poor credit, you can still get approved for a bad credit business loan. Each lender in our marketplace will have different requirements for small business financing. Traditional bank term or SBA  lenders will require a good to excellent credit score, collateral, and your business finances statements.

You typically need a FICO score of at least 500 to qualify for a bad credit business loan, some lenders may approve you for a loan with a Poor Credit Score below 500 if your business is profitable and you have high annual revenue, but you could get better terms with a credit score of 680 or higher. Bad credit business loans are generally aimed at business owners with low credit scores.

No, chances are with so many different small business loan options, most small business owners can qualify for some type of business funding. At Capital for Business, our easy business loan application process is completed online and can even be approved in as little as 24 hours even with bad credit.

Each lender in our Marketplace will have different requirements but typically they need information pertaining to the business and business owner along with the business bank statements

Small business loans from Capital for Business marketplace of lenders will not require collateral or any down payment to receive business funding.

GET THE SMALL BUSINESS CAPITAL YOU NEED TO AFFORD YOUR DREAMS

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    They advocated so brilliantly for my account and are a huge reason for my renewed success with Capital For Business.
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    Jonathan N. Craig

    a trusted partner when your business does not work properly.
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    Geoffrey E. Avila

    If you have business problems you have to be part of your recovery plan.
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    Debra R. Daley

    They helped me with a business loan and now we’re thriving 🙂 thank you!
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    Edson Romero

    Quite a pleasureable experience!
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    Lisa B. McClean

    I had a really great experience getting funding for my business through Capital for business . Would highly recommend it.
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    Aaron S. Devlin

    this review wants to be of benefit to those who have trouble with their business and to trust their services.
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    Lillie Martinez

    Your staff and business associates were professional and efficient. I was treated with respect and they took the time to understand my business needs.
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    Trammy R. Young

    Jeff is absolutely the best. We are a small company and have been in business for less than 2 years. We reached out because we needed capital to give
    us that extra boost to make more money. We received the application right away and as soon as I sent it back he worked on a funding solution for our company. We had the money in our account the same day we signed off on the loan. Thank you!!! will recommend.
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    Smaat Money

    I do truly recommend them. I enjoyed working with them, easy to talk too and they explain all the process for what you need.
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    Cory Z. Sciortino

    It's such a professional company. I enjoyed the collaboration we had
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    Florence B. West

    Great experience. Great customers services. Great over all.
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    Harold M. Joseph

    I am really satisfied. Very helpful!
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    Maria Kincer

    They were recommended by a co-worker. I am pleased by the services and taking his advice.
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    A Google User

    I am really happy with Capital for Business services. Great ethics.
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    Angela Nagy

    They give their best to give your perfect solution. Fast, easy and without a lot of papers involved.
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    Charles V. Fraizer

    The thing that impressed me the most is that they try to find the best solution for you and they explain it to you step by step.
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    Benjamin G. Blast

    perfect for small business. They are trustworthy.
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    Carol T. Moir

    I thank them so much! Their customer service is impeccable.
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    Edwin C. Sims

    I recommend them. They are the best!
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    George L. Dodson

    I just started a new business and this company helped me sooooo much!
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    Roxanne J. Chambell

    Their loan saved my business. Thank you so much!
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    Marlene A. Esposito

    The greatest help for the small businesses community.
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    Michele R. Carrigan

    The thing I appreciate most about this company is that it's moral and client oriented.
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    James H. Fauver

    They were recommended by a close friend. Reliable company 100%
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    Bettie Nelson

    I do recommend this company! It is worthy!
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    Werner D. Seely

    Such great experience! I encourage everyone to come to Capital for Business!
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    Raymond S. McDermott

    Capital for Business was a recommendation and now I recommend them too!
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    Marjorie Fitch

    awesome place for small loans
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    Jamie M. Deming

    They were recommended by a close friend. Reliable company 100%
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    Bettie Nelson

    Very helpful, even helping me after hours with questions and help. I highly recommend them!
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    Mark G

    Half a year ago our business was falling into a pit but thanks to the loan from Capital for Business we are on track again.
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    Carmella A. McGregor

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