Bad credit business loans
Get funded with a credit score as low as 500. We look at your cash flow, not just your credit report. Same-day decisions, and funds in as little as 24 hours.
- Credit scores of 500+ accepted
- No hard credit pull
- No collateral required
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
How bad credit business financing works.
Your personal credit score shows how you’ve handled personal debt. It doesn’t show how your business is doing. So we look at your business bank statements: your monthly deposits, the balance you keep and how steady your revenue is.
We also weigh your time in business and the financing you’re paying now. A business with strong cash flow may qualify even with imperfect credit.
The kind of financing matters too. Working capital is based on your revenue, invoice financing on the invoices your customers owe, and equipment financing on the equipment itself.
Read more
What the score still changes. A lower score can mean a higher cost, a shorter term or a smaller first amount. Compare offers by the total you repay, in dollars, against what the money will earn or save.
Steady months help most. In the months before you apply, keep the account above zero, run sales through the business account and hold off on new financing.
Tell us the cause. A one-time event that’s behind you reads differently from an ongoing problem. A sentence of context helps us place your application.
Check your reports first. Your credit reports are free from each of the three bureaus, and checking them doesn’t lower your score. Dispute anything that’s wrong before you apply.
A short credit history isn’t a low score. If you’ve borrowed little, the score has less to go on. Steady deposits make up for a short credit history.
Bad credit business loans at a glance.
- Credit scores accepted
- 500+. Your score is one factor, not the only one
- Revenue-based approval
- Cash flow, steady deposits and time in business
- No hard credit pull
- Applying won’t affect your credit score
Compare your options.
See how Noya Funding stacks up against other financing sources.
| Traditional Bank | Other Online Lenders | ||
|---|---|---|---|
| Funding Speed | Same day to 48 hours | 30-90 days | 2-7 days |
| Funding Amount | $5K-$10M | $50K-$5M | $5K-$500K |
| Hard Credit Pull | Never | Always | Usually |
| Min. Annual Revenue | $150K+ | $250K+ | $100K-$250K |
| Min. Credit Score | 500+ FICO | 680+ FICO | 550-600+ FICO |
| Collateral Required | None | Often | Sometimes |
| Time in Business | 6+ months | 2+ years | 1+ year |
| Dedicated Advisor | Always | Never | Sometimes |
| Documents Needed | 4 bank statements | Full financials + tax returns | Varies |
| Application Time | 5 minutes online | Days to weeks | 1-3 days |
| Apply NowApplying won’t affect your credit score. |
Financing options for owners with bad credit.
Working Capital
Based on your revenue and cash flow, so steady deposits count most. See how working capital works.
Invoice Financing
Based on the invoices your customers owe you, so their payment record counts alongside your credit. See invoice financing.
Equipment Financing
The equipment is the collateral, so your credit score carries less weight. See equipment financing.
Business Line of Credit
A revolving limit based on your business profile. Draw what you need, repay it and draw again. See business lines of credit.
Small Business Term Loans
A lump sum with fixed payments, approved on your revenue and business profile, not just your score. See small business term loans.
What approval depends on.
Your credit score is one factor, and it isn’t the one that decides. Here’s what counts most when your score is lower.
Steady deposits, not just total revenue
Deposits that come in steadily through the month read better than the same revenue in a few large, irregular payments. Repayment comes out of your working cash flow, so we look at how steady it is as well as how much.
Time in business, and which way you’re heading
Six months in business is the minimum, not the goal. A younger business with rising revenue can count for more than an older one whose revenue has been flat for years, so we look at where the business is going.
What your score still changes
Your score isn’t ignored. A business at 500 and one at 680 with the same revenue can both be approved, but the score shapes the offer each one gets: the amount, the term and the cost.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposit patterns and time in business. A business with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
What credit score do I need for a business loan?
We work with credit scores of 500+. We also look at your revenue, cash flow and time in business, not just the score.
Can I get funding with a low credit score?
Yes. We work with scores as low as 500, and steady revenue and deposits carry the most weight. Working capital, invoice financing and equipment financing all rely less on the score than a bank loan does.
Does a lower score mean a higher cost?
It can. Your score is one factor in the price, alongside revenue and time in business. Compare offers by the total you repay, in dollars, against what the money will earn.
What counts against an application more than a low score?
Frequent overdrafts, deposits that swing widely from month to month, and a lot of new financing taken on recently.
Does a past bankruptcy rule me out?
Not necessarily. Most lenders want a bankruptcy discharged before they review an application. Tell us up front, and we’ll match you with the options that fit.
Can this help me build business credit?
It can. Some lenders report payments to the business credit bureaus. If that matters to you, tell your funding specialist.
Do I need collateral if my score is low?
No. Working capital, lines of credit and term loans are unsecured, so no collateral is required. See no collateral business loans.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.