$5K-$2M Fast Funding • 24-Hour Approval • No Collateral Required
Questions? Call (201) 691-7515
Traditional banks reject businesses with credit scores below 680. We don't. If you have at least a 400 credit score and $8,500+ in monthly deposits, you can qualify for business funding in 24 hours.
Perfect for businesses with bad credit who need fast working capital
If you have bad credit (400-650), these products are NOT available:
But don't worry - our Merchant Cash Advance accepts 400+ credit scores and funds in 24 hours!
You need a minimum credit score of 400. Yes, that's correct - we accept bad credit!
Anywhere from $5,000 to $2,000,000, depending on your monthly revenue. Most businesses with $8,500+ in monthly deposits qualify for at least $25,000.
You can be approved in 2 hours and funded within 24 hours of approval. This is the fastest business funding option available for bad credit.
Yes, but we accept 400+ credit scores. We focus more on your business revenue than your credit score.
Unfortunately, we require 4+ months of bank statements showing $8,500+ monthly deposits. If you're newer, check out our startup business loans page for alternatives.
Absolutely. Payday loans are for personal use and have extremely high rates. Our Merchant Cash Advance is designed for businesses, offers much larger amounts ($5K-$2M vs a few hundred dollars), and has much better terms.
You only need 4 months of business bank statements. That's it! No tax returns, no business plans, no extensive paperwork. We can approve you based solely on your monthly revenue shown in your bank statements.
Yes! We've approved thousands of businesses with past bankruptcies. As long as the bankruptcy was discharged (not active) and you have 4+ months of consistent revenue, you can qualify. We focus on your current business performance, not past financial issues.
No collateral required! Our business cash advance is unsecured financing. You don't need to put up your home, car, or other assets. Approval is based entirely on your business revenue and bank statements.
With our program, bad credit has minimal impact on your approval or loan amount. The main factor is your monthly revenue. While traditional banks deny bad credit applicants entirely, we approve 400+ credit scores with the same fast 24-hour funding and competitive terms.
Not all business loans for bad credit are created equal. Here's how different funding options stack up when you have a credit score between 400-650.
| Funding Type | Min. Credit | Approval Speed | Amount Range | Collateral |
|---|---|---|---|---|
| Business Cash Advance ✅ | 400+ | 2 hours | $5K - $2M | None |
| Business Line of Credit | 650+ | 3-5 days | $10K - $250K | None |
| SBA Loans ❌ | 680+ | 30-90 days | $50K - $5M | Usually Required |
We've helped thousands of businesses across all industries secure business loans with bad credit. Here are some of the most common:
Inventory, equipment, expansion, seasonal cash flow
Holiday inventory, renovations, marketing campaigns
Equipment, materials, payroll, project deposits
Trucks, maintenance, fuel, driver payroll
Equipment upgrades, products, hiring stylists
Medical equipment, supplies, facility expansion
And many more! If your business has $8,500+ monthly deposits and 400+ credit, you likely qualify.
"My supplier offered a 40% discount for bulk ordering, but I needed $75,000 within 3 days. My credit score was 480, so banks said no. Access Funding approved me in 2 hours and I had the money the next day. That discount saved me $30,000." - Retail Store Owner, Miami FL
"Our main truck broke down and repairs would take weeks. We needed a replacement immediately or we'd lose contracts. Despite my 520 credit score, I got approved for $45,000 and bought a used truck same week. Fast business loans saved my company." - Landscaping Contractor, Phoenix AZ
"Summer is slow for my restaurant, but I still have rent and payroll. I needed $30,000 to bridge the gap until fall. With a 465 credit score, traditional banks laughed at me. Access Funding understood seasonal businesses and funded me in 24 hours." - Restaurant Owner, Chicago IL
Fill out the simple form above. Just phone number, ZIP code, and SMS consent. No lengthy paperwork or credit checks that hurt your score.
We'll text you within 1 hour with your pre-qualified amount. Then we'll request 4 months of business bank statements to verify your deposits.
Our underwriting team reviews your statements and calls you with your approved funding options, terms, and repayment schedule. Choose what works for you.
Sign your contract electronically and funds are deposited directly into your business bank account within 24 hours. Start using your capital immediately.
Join 12,000+ businesses that secured funding despite bad credit
Get Your Quote - 400+ Credit OK →$5K - $2M Available • 24-Hour Funding • No Collateral Required
We serve businesses nationwide with fast business funding. Click your city below to learn more:
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