# Bad Credit Business Loans

> A low credit score doesn't have to stop you from funding your business. Many of our partners underwrite primarily on your revenue and bank deposits, so businesses with bad or limited credit can still get approved — often within a day.

## Key takeaways
- A low credit score doesn't have to stop you — many partners underwrite primarily on your revenue and bank deposits, sometimes funding scores in the 500s.
- Revenue-based products like merchant cash advances, invoice factoring, working capital, and equipment financing don't hinge on your personal score.
- Consistency of deposits and time in business matter more than your FICO, and getting matched does not require a hard credit pull.
- Easier-to-get funding is usually more expensive, so the lowest-cost option you qualify for is checked first.

## Bad credit doesn't have to mean no funding

Traditional banks lean heavily on your personal credit score, which is why a
rough credit history so often ends in a decline. But a large part of the
business funding market works differently: these lenders look at how your
business actually performs — your monthly revenue, the consistency of your bank
deposits, and (for factoring) the creditworthiness of your customers.

### Options that don't hinge on your score

- **Merchant cash advances** — funding based on your sales; repaid as a share of
  daily or weekly revenue. The most accessible and fastest option.
- **Invoice factoring** — approval based on your customers' credit, not yours,
  since you're advancing money you've already earned.
- **Short-term working capital** — underwritten largely on recent bank
  statements rather than a minimum credit score.
- **Equipment financing** — the equipment secures the loan, which makes
  approval easier even with weaker credit.

### An honest note on cost

Easier-to-get funding is usually more expensive. We'll always check whether you
qualify for a lower-cost loan or line of credit first, and only steer you toward
higher-cost options when speed or accessibility is what matters most. Improving
your deposits and time in business widens your options over time.

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