Business Loans for Bad Credit
A low credit score doesn't have to stop you. Many of our lending partners look at your revenue and cash flow first — not just your FICO. Compare offers with no hard credit pull and see what you may qualify for in minutes.
Start your match
Takes about 2 minutes. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Can you get a business loan with bad credit?
Yes. Banks lean on credit scores, but many alternative lenders weigh monthly revenue and time in business more heavily. If your business has steady deposits, you may have options even with scores in the 500s.
What lenders look at instead of your score
The stronger your revenue, the less your score weighs against you.
- Monthly revenue and bank deposits
- Time in business (often 3–6 months minimum)
- Consistency of cash flow
- Your industry
Funding types that work with lower credit
These prioritize cash flow over credit history.
- Merchant cash advance (an advance on future sales, repaid as a % of revenue)
- Revenue-based financing
- Short-term working capital loans
How to improve your odds
- Have 3 months of recent business bank statements ready
- Show consistent deposits
- Request an amount in line with your revenue
- Avoid multiple hard inquiries — we don't run one to match you
Getting a business loan with a 500 credit score
A score in the 500s closes most bank doors, but revenue-based lenders weigh your monthly deposits far more than your FICO. If your business brings in steady revenue, options like merchant cash advances, revenue-based financing, and short-term working capital are often still on the table — sized to your sales rather than your score.
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
Need capital now? Get matched with lenders offering same-day decisions and funding in as little as 24 hours. Apply free, no hard credit pull.
Funding for trucking companies and owner-operators — working capital, equipment, and cash-flow help. Compare lenders with no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
