Can I get a business loan after bankruptcy?
Yes: you can get a business loan after bankruptcy, though your options depend on how long ago it was discharged and how strong your business revenue is now. Banks typically want years of distance from a bankruptcy; revenue-based alternative lenders care far more about your last 3-6 months of deposits than a filing from your past. Assuming you're unfundable and waiting in silence costs growth you might not need to sacrifice. Quordx Capital's network of 50+ lenders includes lenders with genuine appetite for challenged credit, matched to your file rather than guessed at.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How bankruptcy affects business lending
Timing matters most. An open, undischarged bankruptcy blocks nearly all lending: wait for discharge. After discharge, doors reopen on a gradient: revenue-based products come back first, since lenders underwriting on deposits accept credit scores from roughly 500-550 and weigh recent cash flow heavily. Typical minimums still apply, about 3-6 months in business and $10K+ in monthly revenue. Banks and SBA lenders sit at the strict end, generally wanting several years post-discharge, rebuilt credit (most 7(a) lenders look for 650+), and a clear story about what changed.
Expect honest trade-offs: post-bankruptcy pricing runs higher. Strong, consistent revenue is your best lever for both approval and price, and every month of clean banking history improves your file.
Realistic post-bankruptcy options
Working capital loans: $5K-$500K, underwritten on recent deposits more than credit history. Best first step when revenue is solid.
Equipment financing: $5K-$5M+; the equipment as collateral makes lenders more flexible on credit events. Best for asset needs while rebuilding.
A/R financing / invoice factoring: advances of typically 70-90% of invoice value, based on your customers' creditworthiness, not yours. Best for B2B businesses with reliable clients.
Business credit cards: a tool for rebuilding credit history alongside funding. Best for small ongoing expenses.
How Quordx Capital Works
A 5-minute application and your recent documents, 3-6 months of bank statements, latest tax return, ID, give our AI what it needs to screen all 50+ lenders, including those built for challenged-credit files. You'll see your 3-7 most probable approvals, with decisions usually back in 24-48 hours and funding in 3-7 business days.
What to Expect
Expect candor in both directions. If your discharge is recent and revenue is thin, we'll tell you "not yet" and what to build toward, rather than submitting a file that hard declines will only bruise. If your deposits are strong, expect real offers: priced for the risk, with every cost spelled out before you sign. Checking costs nothing: no fees, no obligation, and no judgment.
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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