Direct Answer: Can I get business funding with bad credit?
Yes. Alternative lenders prioritize your business's monthly revenue and cash flow consistency over your personal credit score. If you have steady deposits for the last 3 months, you can often qualify for funding regardless of a low FICO score.
A past mistake, a divorce, or a slow season can tank your credit score. Traditional banks see a number under 680 and auto-decline. But your credit score doesn't reflect your business's ability to generate revenue today.
The Solution: Cash Flow Funding
We partner with funders who underwrite based on the health of your business, not your personal credit history. They look at your business bank statements to verify you have the cash flow to handle payments.
How We Help Bad Credit Business Funding
Fairly Funded connects you with partners who understand your industry. We look past the FICO score and focus on the health of your business.
Key Use Cases:
- Emergency Repairs: Fix a broken truck or HVAC unit immediately.
- Inventory: Buy stock when you have the cash flow to sell it.
- Tax Liens: Clear up old debts to move forward.
Frequently Asked Questions
What is the minimum credit score? Most of our partners accept scores as low as 500, provided the business has strong monthly revenue ($15k+).
Will this hurt my credit further? No. We perform a soft pull that does not impact your credit score to generate offers.
Ready to Move Forward?
Don't let a lack of capital slow you down. Apply today and see your options in 24 hours.