Bad Credit Small Business Loans (500+ Credit Score) in 2026
Compare business loans available to owners with poor credit — options starting at 500 credit score.
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No credit score impact
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Borrow up to $500,000
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Bad Credit Business Loans
Having bad credit does not mean you can’t get a business loan. Several online lenders specialize in working with business owners who have credit scores below 600. While rates will be higher than prime borrowers, you can still access working capital, lines of credit, and term loans to grow your business.
Compare the best lenders for bad credit business loans below.
Best Lenders for Bad Credit Business Loans
| Lender | Product | Max amount | Min. credit | Funding |
| Fundbox | Line of credit | $150,000 | 600 | Next day |
| OnDeck | Term loan / LOC | $250,000 | 625 | Same day |
| Bluevine | Line of credit | $250,000 | 625 | Same day |
| Kabbage (Amex) | Line of credit | $150,000 | 640 | Minutes |
| Lendio | Marketplace | $500,000 | 500+ | Varies |
Can You Get a Business Loan With Bad Credit?
Yes. Online lenders have more flexible requirements than traditional banks. Many evaluate your business revenue, cash flow, and time in business alongside your credit score. Lendio’s marketplace connects you with lenders who work with scores as low as 500.
How to Improve Your Chances
Show strong business revenue (consistent bank deposits). Offer collateral or a personal guarantee. Apply with a co-signer who has better credit. Start with a smaller loan amount and build a repayment track record. Consider a secured business credit card to rebuild credit.
Frequently Asked Questions
What’s the minimum credit score for a business loan?
Lendio’s marketplace includes lenders accepting 500+. Fundbox requires 600+. Most online lenders start at 625.
Will bad credit business loans hurt my credit further?
Most online lenders do a soft pull for pre-qualification. Making on-time payments can actually improve your credit over time.
What rates should I expect with bad credit?
Expect rates of 20-40%+ depending on your score and business financials. As you build credit, you can refinance at lower rates.
Bluevine
- Line of credit up to $250,000
- As low as 7.80%
- Same-day funding
Bluevine offers fast business lines of credit with same-day draws.
OnDeck
- Loans up to $250,000
- Term loans and lines of credit
- Min. credit: 625
OnDeck offers same-day funding on short-term business loans.
Fundbox
- Line of credit up to $150,000
- Draw funds as needed
- Min. revenue: $30,000/year
Fundbox offers revolving credit with next-day funding and low minimums.