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500+ Credit Score Accepted

Business Loans for Bad Credit — Approved on Revenue, Not Your Score

Traditional banks say no below 680. FundCapa works with businesses at 500+ credit scores across multiple funding programs. Your monthly revenue matters more than your credit history.

Apply Now — Soft Pull Only → 📞 (323) 347-7535
500+ Credit Score OK Decision < 1 Hour No Collateral Required Next-Day Funding
500+
Min. Credit Score
< 1 hr
Approval Decision
$350K
Max Funding
1–2 days
Time to Fund
15,000+
Businesses Funded

Funding Options

Best Loan Options for Bad Credit Businesses

Every program below is available to businesses with 500+ credit scores. Approval is based primarily on your monthly bank deposits.

Most Popular
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Revenue-Based Funding

Repayment tied to daily sales — not a fixed payment. Approval based on monthly deposits, not credit score. Up to $350,000. Factor rates from 1.10–1.49.

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No Collateral
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Business Line of Credit

Revolving credit up to $250,000. Draw as needed, repay, and reuse. Available to businesses with 550+ credit scores and strong monthly revenue.

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Equipment as Collateral
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Equipment Financing

Equipment secures the loan — which significantly reduces lender risk and makes approval easier with low credit scores. Up to $150,000. Terms up to 7 years.

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No Credit Required
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Invoice Factoring

Approval based on your customers' credit — not yours. Sell outstanding B2B invoices for immediate cash. No new debt, up to $500,000. Personal credit largely irrelevant.

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Short-Term Business Loans

Fixed daily or weekly payments over 3–18 months. Up to $200,000. Available to businesses with 500+ credit and $10K+ monthly revenue. Funded next day.

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Not sure which fits?

One application, soft pull only. FundCapa reviews your profile and matches you to the right product and lender for your credit score and revenue level.

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How We Qualify You

What Lenders Look at Beyond Your Credit Score

For bad credit programs, these factors often carry more weight than your personal credit score.

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Monthly Bank Deposits
$10,000+ average is the primary qualifier
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Time in Business
6 months minimum — 12+ preferred
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Revenue Trend
Growing or stable revenue signals lower risk
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NSF / Overdraft History
Fewer overdrafts = stronger approval odds
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Average Daily Balance
Positive balance most days strengthens your file
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Industry Type
Most industries considered — all reviewed

Common Questions

Business Loans & Bad Credit — FAQ

Can I get a business loan with a 500 credit score?
Yes. FundCapa works with businesses at 500+ credit scores across revenue-based funding, equipment financing, invoice factoring, and short-term loan programs. Your monthly revenue and time in business are the primary approval factors.
Will applying hurt my credit score?
No. FundCapa uses a soft pull for the initial application, which has zero impact on your credit score. A hard pull may only occur if you proceed to final approval with certain lenders, and we always notify you before that happens.
How much can I borrow with bad credit?
With revenue-based funding, businesses typically qualify for 50%–150% of average monthly revenue regardless of credit score. A business with $30,000/month in deposits might qualify for $15,000–$45,000. Amounts increase as you build a repayment history.
How fast can I get funded with bad credit?
Through FundCapa's alternative lender network, most bad credit approvals fund in 1–2 business days. Revenue-based funding can fund the same day for complete applications submitted early in the day.
Do I need collateral for a bad credit business loan?
Most programs through FundCapa are unsecured — no collateral required. Equipment financing uses the equipment itself as collateral, which actually improves approval odds with bad credit by reducing lender risk.

500+ Credit Score? You May Already Qualify.

One-page application, soft pull only. FundCapa matches your business to the right program and lender for your credit profile and revenue level.

Check Your Eligibility → 📞 Call (323) 347-7535