Top 33 Business Lenders That Work With Bad Credit

The Truth About Bad Credit Business Lending

Most traditional banks won't touch a business owner with a FICO below 620. But the alternative lending landscape has exploded — and many of these lenders care more about your revenue, time in business, and business credit than your personal score.

Here are the top 25, organized by funding type.

Revenue-Based Lenders (FICO 500+)

1. Fundbox

• ✦Min FICO: 600 | Max: $150K | Term: 12–24 weeks
• ✦Revolving line of credit. Connects to QuickBooks or bank account. Decisions in minutes.

2. Bluevine

• ✦Min FICO: 625 | Max: $250K | Term: 6–12 months
• ✦Best for businesses with $40K/month revenue. Invoice factoring also available.

3. OnDeck Capital

• ✦Min FICO: 625 | Max: $250K | Term: Up to 24 months
• ✦Term loans and lines of credit. Daily or weekly repayment.

4. Kabbage (American Express)

• ✦Min FICO: 640 | Max: $250K | Term: 6–18 months
• ✦Pulls directly from business accounts for underwriting.

5. Credibly

• ✦Min FICO: 500 | Max: $400K | Term: 6–18 months
• ✦One of the most accessible. Working capital and merchant cash advances.

Merchant Cash Advances (Any FICO)

6. National Business Capital

• ✦No minimum FICO | Max: $5M | Advance on future sales

7. Rapid Finance

• ✦Min FICO: 550 | Max: $1M | Same-day decisions available

8. Reliant Funding

• ✦Min FICO: 525 | Max: $400K

9. PaySign Capital

• ✦No hard FICO pull | Revenue-based | Max: $500K

10. Pearl Capital

• ✦Min FICO: 500 | Term loans + MCAs

SBA Lenders (Flexible Credit)

11. Newtek Business Services

• ✦SBA 7(a) lender | Works with scores as low as 620

12. Funding Circle

• ✦Min FICO: 660 | Up to $500K | 6–84 months

13. Lendio

• ✦Marketplace aggregator | Matches 75+ lenders | Min FICO: 560

14. SmartBiz

• ✦SBA loans | Min FICO: 650 | Up to $5M

15. Harvest Small Business Finance

• ✦SBA 7(a) focus | Min FICO: 640

Equipment Financing (Asset-Based)

16. Crest Capital

• ✦Min FICO: 650 | Equipment-secured | Soft pull only

17. Balboa Capital

• ✦Min FICO: 620 | Up to $500K equipment

18. National Funding

• ✦Min FICO: 600 | Equipment + working capital
• ✦Contact: Emily Onustock — [email protected]

19. Time Financing Service

• ✦Min FICO: 575 | Equipment financing

20. Currency Capital

• ✦Min FICO: 600 | Equipment up to $2M

Real Estate & DSCR Loans

21. Lima One Capital

• ✦Min FICO: 660 | DSCR rental loans | Up to $3M

22. Visio Financial

• ✦Min FICO: 680 | Investor rental properties

23. Kiavi (formerly LendingHome)

• ✦Min FICO: 660 | Fix-and-flip + DSCR

Microloans & CDFIs

24. Accion Opportunity Fund

• ✦Min FICO: No strict minimum | Up to $250K | Mission-based

25. Kiva Business

• ✦0% interest | Up to $15K | Crowdfunded | No credit check

Good Year Fund Verified Lender Contacts

These are direct contacts in our lending network. Good Year Fund submits applications to these partners on behalf of qualified clients.

26. One Park Financial

• ✦Specialty: Revenue-based funding for small businesses
• ✦Contact: Joseph Cordero — [email protected] | Call/Text: 786-375-8728

27. Celtic Bank

• ✦Specialty: SBA loans, working capital, equipment financing
• ✦Contact: Anne Bailey — [email protected]

28. Mantis Funding

• ✦Specialty: Merchant cash advances, working capital
• ✦Contact: Rhode Alexis — [email protected]

29. Enova / Expansion Capital Group

• ✦Specialty: Small business loans, lines of credit, revenue-based financing
• ✦Contact: Ariel Galbraith — [email protected] | Call: 303-481-2388

30. CFG Merchant Solutions

• ✦Specialty: Merchant cash advances, business term loans
• ✦Contact: Joe Huguenot — [email protected]

31. Bitty Advance

• ✦Specialty: Small business cash advances, flexible repayment
• ✦No minimum FICO | Fast funding for revenue-generating businesses

32. Exclusive Investment Group

• ✦Specialty: Alternative business funding and investment capital
• ✦Ideal for businesses that don't qualify for traditional lending

33. Fora Financial

• ✦Specialty: Working capital loans and merchant cash advances
• ✦Min FICO: 500 | Up to $1.4M | No collateral required

How to Maximize Your Approval Odds

Regardless of credit score:

• ✦Keep your business bank account active — 3+ months, consistent deposits
• ✦Don't have negative days in your account — NSFs kill applications
• ✦Build business credit first — even 3 net-30 accounts helps
• ✦Show consistent revenue — $10K/month minimum for most lenders
• ✦Use a separate business entity — LLC or Corp preferred over sole prop