Funding Options
Business funding with bad credit: what actually works?
Bad credit does not automatically mean no funding, but it changes the product. If personal credit is below the SLOC range, revenue-based funding may still be possible when the business has consistent deposits and enough time in business.
No hard credit pull to check · Takes about 3 minutes · No obligation
Usually a fit if
- You have $10K+ monthly business revenue and recent bank statements.
- Your business has been operating for at least several months.
- You need working capital and can qualify based on deposits instead of a high credit score.
- You want to understand whether MCA or credit-line options are more realistic.
May not be a fit if
- You have no business revenue and personal credit below 680.
- Your recent bank statements show inconsistent deposits or frequent negative balances.
- You need a low-cost bank loan but cannot document credit or revenue strength yet.
Next Steps
How to find out fast
Use the pre-qualification form so the system routes you based on credit, revenue, and time in business.
If revenue-based funding is the better fit, upload bank statements for review.
If neither path fits today, focus on credit repair, utilization reduction, and revenue documentation before reapplying.
FAQ
Quick answers
Can I get business funding with bad credit?
Sometimes, if the business has enough revenue. Bad credit makes unsecured credit-line approval harder, but MCA-style products can review bank deposits instead.
Do I need bank statements?
For revenue-based funding, yes. Bank statements help show deposits, cash flow, and whether the business can support repayment.
Should I apply for SLOC with bad credit?
If your personal credit is under 680, SLOC is usually not the first fit. The pre-qualification form can still route you to the better option.