How to Get a Business Loan with Bad Credit in 2026
Having a low credit score doesn't mean you're out of options. We walk through the lenders and programs that look beyond your FICO β and how to strengthen your application regardless.
Insights, tips, and resources to help small business owners access capital and grow.
Revenue-based financing (also called a merchant cash advance) is one of the fastest ways to access capital for your business. Unlike traditional loans, repayments flex with your daily sales β meaning when business slows down, your payments slow down too. In this complete guide, we break down how it works, who qualifies, what to watch out for, and how to use it to grow your business strategically.
Read Full Article βHaving a low credit score doesn't mean you're out of options. We walk through the lenders and programs that look beyond your FICO β and how to strengthen your application regardless.
The SBA 7(a) loan is the most popular government-backed business loan in the U.S. β and for good reason. Lower rates, longer terms, bigger amounts. Here's how to qualify and what to expect.
Both give you access to capital β but they work very differently. We break down the key differences so you can choose the right structure for your business needs and cash flow patterns.
The answer depends on the program. From same-day MCA funding to 4-week SBA approvals β here are the real timelines you should expect so you can plan accordingly.
Should you finance and own your equipment β or lease it and keep flexibility? The right answer depends on your tax situation, cash flow, and how long you'll need the equipment. Here's how to decide.
Two very different funding structures β one is a loan, one technically isn't. Here's every meaningful difference between MCAs and term loans, including cost, repayment, and when to use each.
Credit score, monthly revenue, time in business, documents β here are the exact numbers every lender type uses, so you know where you stand before you apply.
Less than 12 months in business? You still have options. MCA, revenue-based funding, equipment financing, SBA microloans β here's what's actually available and how to qualify.
Invoice factoring and business loans serve completely different needs. One converts outstanding invoices into immediate cash. The other gives you a lump sum to repay over time. Full cost comparison inside.
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