Can you get business funding with bad credit?

Often, yes. Revenue-based funding partners care more about the money flowing through your business account than about your personal credit score. Many work with owners whose scores are in the 500s. What changes with lower credit is usually the price, the amount and the term, not whether you can get an offer at all.

How credit is weighed

Factor	Weight for most revenue-based funding partners
Monthly deposits and consistency	High
Average daily balance and overdrafts	High
Time in business	Medium
Existing advances	Medium to high
Personal credit score	Medium
Recent bankruptcies or open judgments	Can decline

What to expect with lower credit

• Smaller first offers. Partners may start lower and increase after you show on-time history.
• Higher factor rates to reflect risk.
• Shorter terms, which mean larger payments.

How to protect yourself

• Never pay an upfront fee to apply or "guarantee approval." Legitimate brokers are paid by funding partners. We never charge applicants.
• Compare the total repayment, not just the payment.
• Don't stack advances to cover payments on an earlier one.

Ways to strengthen your file

1. Clear any overdrafts and keep a positive balance for a few weeks.
2. Route all revenue through one business account.
3. Pay down or finish an existing advance before taking another.
4. Gather documents in advance so verification is quick.

Want an honest read on what you'd qualify for? Talk to a specialist. Requesting a call doesn't affect your credit.