Small Business Funding Bad Credit
Bad credit narrows your options, but it doesn't close the door. A credit score in the 500s often reflects a rough patch, a medical bill, a slow season, an old default, not the health of your business today. The lenders that matter for you underwrite on cash flow, weighing your current revenue far more than a past FICO score. Quordx Capital routes your application to the bad-credit-friendly lenders in our 50+ network, with decisions in 24-48 hours and no cost to you.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Does Bad-Credit Funding Actually Work?
Cash-flow underwriting flips the usual order. Instead of leading with your credit score, these lenders lead with your bank statements, monthly deposit volume, consistency, and account health over the last 3-6 months. A business depositing $30,000 a month with a 560 score frequently qualifies where a bank would decline.
Products that lean least on credit, MCAs, equipment financing, working capital, cost more to offset the lender's risk. We present that cost plainly so there are no surprises. Repaying one of these cleanly also rebuilds your standing, which can earn you cheaper financing the next time around.
Which Funding Options Fit?
Merchant Cash Advance: Underwritten on card volume, not credit. 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 owners buying machinery 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
Read full bio
Related articles
More on this topic from the Quordx Capital library.
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.
By submitting an application or contact information, you consent to be contacted by Quordx and its lending partners via phone, text, and email, including by automated means, regarding your funding inquiry. Consent is not a condition of receiving funding. Message and data rates may apply. Reply STOP to opt out. See our Privacy Policy and Terms of Service.