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Business Funding with Bad Credit
Secure capital—even with credit challenges. Business First Funding makes it possible.
Your credit history shouldn’t define your future. At Business First Funding, we understand that small business owners can face financial setbacks—without losing their drive, vision, or capacity to grow. Whether you’ve experienced a bankruptcy, tax lien, or simply have a low score, we specialize in business funding with bad credit that moves you forward.
Business Funding with Bad Credit
Secure capital—even with credit challenges. Business First Funding makes it possible.
Your credit history shouldn’t define your future. At Business First Funding, we understand that small business owners can face financial setbacks—without losing their drive, vision, or capacity to grow. Whether you’ve experienced a bankruptcy, tax lien, or simply have a low score, we specialize in business funding with bad credit that moves you forward.
Why Traditional Lenders Say No—and Why We Say Yes
Banks and credit unions rely heavily on personal credit scores. If your number falls below a certain threshold, they won't look at the full picture. But real business performance isn’t found in a credit report—it's in your sales, resilience, and ability to keep things running.
That’s why we do things differently.
At Business First Funding, we:
Focus on revenue, not just credit scores
Review recent business performance
Accept applications with past bankruptcies or tax issues
Approve newer businesses and solopreneurs
If you're bringing in consistent revenue, we can help you access the capital you need.
How Business Funding with Bad Credit Works
Our process is streamlined to remove friction:
1
Apply Online
Fill out our quick form with your business and banking information.
2
Same-Day Review
We assess your monthly revenue and funding goals.
3
Choose the Best Fit
We present options tailored to your timeline and cash flow.
4
Funds Delivered
Get funds in as little as 24–72 hours.
Our approval rate is high—even for business owners with credit scores under 600.
What Can You Use the Funds For?
Our funding is designed to be flexible. You can use it to:
Cover payroll during tight months
Launch marketing campaigns
Upgrade equipment
Pay down other business obligations
Smooth out seasonal revenue fluctuations
Manage urgent repairs
Move to a new location
Cover tax payments or legal costs
No restrictions. No judgment. Just capital to get things done.
Types of Business Funding Available with Bad Credit
Revenue-Based Financing
Funding is based on your monthly sales. You repay with a portion of future earnings.
This is one of the most accessible types of funding for business owners with bad credit. The focus is on your business's ability to generate income—not your past financial history.
Merchant Cash Advances
Ideal for businesses with strong daily card sales. Fast approvals and flexible repayments.
Repayments automatically adjust based on your sales, making it easier to stay on track during slow periods.
Equipment Financing
Quick lump sums with fixed daily or weekly payments. Typically repaid within 6–18 months.
These loans are great for handling urgent expenses or investing in projects that generate fast returns.
Equipment Financing
If you need tools or machinery, the equipment itself can secure the loan.
Even if your credit score is low, you can still access funding if the equipment holds enough value to serve as collateral.
Invoice Financing
Unlock capital from unpaid invoices. Get paid today instead of waiting 30–90 days.
If you’re regularly billing customers but waiting on payments, this option can ease cash flow strain.
Business Lines of Credit
Access a revolving credit line to pull from as needed. Pay interest only on the funds you use.
Some lines of credit are available even with a lower credit profile, especially for businesses with steady sales.
Benefits of Working with Business First Fundingss First Funding?
Inclusive Criteria: We welcome applicants with low credit, past bankruptcies, or tax liens.
Speed: Get funded in as little as 1–3 business days.
Flexible Repayments: Daily, weekly, or monthly options available.
No Collateral Required: Most funding doesn’t require hard assets.
Personalized Support: Talk to real people who understand small business.
Transparent Terms: No hidden fees—ever.
High Approval Rates: We look at the whole picture, not just your FICO score.
No Industry Limits: We fund everything from service providers to contractors, retail stores, and beyond.
You don’t need perfect credit to grow your business. You need the right partner.
Who Qualifies for Bad Credit Business Funding?
We approve:
Credit scores as low as 500
Businesses with at least 3–6 months of revenue
Monthly gross revenue of $8,000 or more
Sole proprietors, LLCs, and corporations
U.S.-based businesses in most industries
If you're bringing in consistent sales and have a business bank account—we can work with you.
Even if you’ve been turned down before, don’t count yourself out. Our criteria are designed to help real business owners move forward, not to punish them for the past.
Straight answers. Zero fluff.
FAQs – Business Funding with Bad Credit
Is my credit score the only factor you consider?
No. We focus on your business’s revenue, industry, and cash flow.
How fast can I receive funding?
Many clients receive funding within 1–3 business days.
Are there any industries you don’t work with?
We fund most industries, though a few high-risk sectors may have additional requirements.
Can I apply if I’ve declared bankruptcy?
Yes. We work with many business owners post-bankruptcy.
What paperwork do I need?
A simple application, bank statements, and proof of revenue.
Will applying affect my credit?
Most options only require a soft pull.
Can I build my business credit through this funding?
Yes. Responsible repayment can help you qualify for better terms over time.
Is there a minimum time in business required?
Yes. We typically require at least 3 months of operating history.
What if I’ve already been denied by other lenders?
That’s okay. Our criteria are more inclusive than most traditional lenders.
How do repayments work?
Depending on the product, payments may be made daily, weekly, or monthly.
Can I renew or increase my funding later?
Yes. We offer renewal options after partial repayment and positive performance.
Our Mission: Funding Progress, Not Perfection
At Business First Funding, our mission is simple: help entrepreneurs access the funding they need to grow—no matter their credit situation. We believe in funding potential, progress, and persistence. Whether you’ve made mistakes or are still rebuilding, we’re here to help you take the next step.
This is about more than money. It’s about giving small business owners the chance to:
Regain control
Rebuild confidence
Create jobs
Improve communities
And it all starts with access to capital.
Apply Now and Take Control
Don’t let your credit hold your business hostage. Our goal is to unlock funding that gives you breathing room, options, and a path forward.
With Business First Funding, business funding with bad credit is not only possible—it’s practical.
We’re here to make accessing capital for your company as easy as possible.
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