Bad Credit Small Business Funding
Bad credit feels like a locked door, but for the right lenders it's just one data point. If your business is generating steady monthly revenue, cash-flow lenders will weigh those deposits far more heavily than a damaged credit score. Owners in the 500s get funded regularly through revenue-based and asset-backed products. Quordx Capital sends your application straight to the bad-credit lenders in our 50+ network, with decisions in 24-48 hours and nothing charged to you.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Does Bad-Credit Funding Actually Work?
These lenders lead with your bank statements, not your FICO. They review the last 3-6 months of deposits to confirm the business can support repayment from its own cash flow, treating credit as secondary.
The products that lean least on credit, MCAs, equipment financing, short-term working capital, cost more because the lender carries more risk. We present that cost honestly so you can weigh it before committing. A business depositing $30,000 a month with a sub-600 score is a familiar, fundable profile to these lenders, not a red flag.
Which Funding Options Fit?
Merchant Cash Advance: Underwritten on card volume, minimal credit weight. Best for card-heavy businesses with low scores. Factor rates 1.1-1.5, cost shown upfront.
Equipment Financing: Secured by the asset, easing credit demands, $5K, $5M+. Best for machinery purchases despite bad credit.
Working Capital Loan: Funded on deposit strength, $5K, $500K. Best for steady earners needing a defined sum.
Apply for Funding
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Important Disclosures
Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.
The initial inquiry does not impact your personal credit score. Some lenders may perform a hard credit pull during underwriting; Quordx only authorizes such checks with your specific consent for the lender presenting an offer. Applicants are protected under the Equal Credit Opportunity Act (ECOA) from discrimination based on race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public-assistance program.
This Site is intended for commercial, business-purpose financing for U.S. businesses only. Not available for consumer loans, residential mortgages, or owner-occupied real estate. Quordx may receive compensation from lenders when applications result in funded transactions. This does not change the rate, fee, or terms offered to you. See our Advertiser Disclosure for details.
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