Small Business Loans Bad Credit
A low credit score is the first thing banks see and the last thing many alternative lenders care about. If your FICO has taken hits but your business is bringing in real revenue every month, you have more loan options than a bank rejection would suggest. Cash-flow lenders fund businesses in the 500s routinely. Quordx Capital matches your application to the bad-credit lenders in our 50+ network, returning decisions in 24-48 hours at no cost to you.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Does a Bad-Credit Business Loan Actually Work?
These lenders verify revenue first and treat credit as one factor among several, not the gatekeeper. They pull your last 3-6 months of bank statements and assess whether the business can comfortably support repayment from cash flow.
Because the lender shoulders more risk, bad-credit loans price higher than bank loans. That's the honest trade-off, and we show the full cost before you commit, never after. Keeping your account out of overdraft and showing consistent month-over-month deposits matters more to these lenders than the score itself.
Which Funding Options Fit?
Working Capital Loan: A lump sum underwritten on deposits more than credit, $5K, $500K. Best for steady revenue with a one-time need.
Merchant Cash Advance: Repaid from daily card sales, minimal credit weight, factor rates 1.1-1.5. Best for card-heavy businesses with low scores. Cost shown upfront.
Equipment Financing: Secured by the asset, lowering the credit bar, $5K, $5M+. Best for machinery purchases despite bad credit.
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.