500+ FICO Accepted
Most banks require 680+. SBG’s minimum is 500. Your credit score is one factor, not the only factor.
Bad Credit Business Loans
Your credit score doesn’t tell the whole story. Your revenue does.
SBG Funding approves businesses with FICO scores as low as 500. We look at your cash flow, not just your credit report. Same-day decisions, funding in as little as 24 hours.
Apply now
Applying will not impact your credit score.
- FICO scores as low as 500 accepted
- No hard credit pull
- No collateral required
Simple, fast, and clear
28,000
+
Businesses funded
85
%
Approval rate
$
5
K
-
$
10
M
Available funding
4.9
Trustpilot rating
How Bad Credit Business Loans Work
A bad credit business loan is a financing product designed for business owners whose personal credit scores fall below the thresholds required by traditional banks, typically below 680 FICO. These products evaluate the health of the business itself: revenue, cash flow, deposit patterns, and time in operation, rather than relying primarily on the owner’s personal credit history.
If you’ve applied for a business loan at a bank and been declined because of your credit score, you’re not alone. According to the Federal Reserve’s 2026 Report on Employer Firms, only 42% of small business applicants received the full amount of financing they sought, 36% received some or most of it, and 22% received none at all. But a credit score is a snapshot of your personal borrowing history. It doesn’t reflect whether your business deposits $50,000 a month, whether you’ve been operating profitably for three years, or whether you have a signed contract worth twice your funding request.
Traditional banks are built around credit scores. If yours doesn’t meet their threshold, the conversation ends before it starts. A bank underwrites against two years of filed financials and a 680 credit score. Banks are not built to look past the score to the revenue underneath it, which means the businesses with the strongest cash flow relative to their credit are the ones a bank is slowest to serve. SBG Funding evaluates more than 50 data points from your business bank statements instead. Our unsecured products require no collateral, and we never run a hard credit pull. If your business generates at least $150,000 in annual revenue and has operated for 6+ months, you may qualify for funding between $5,000 and $10,000,000, whether your FICO score is 500 or 750, with a decision the same business day and funds in as little as 24 hours after approval. For more on improving your chances of approval, read our full guide: How To Get a Business Loan with Bad Credit.
Bad Credit Business Loans at a Glance
Revenue-Based Approval
We evaluate 50+ factors including cash flow, deposit consistency, and time in business. Not just your credit report.
No Hard Credit Pull
Applying won’t affect your credit score. We use a soft pull to verify identity. That’s it.
Compare your options
See how SBG Funding stacks up against other financing sources.
Funding Speed
Funding Amount
Hard Credit Pull
Min. Annual Revenue
Min. Credit Score
Collateral Required
Time in Business
Dedicated Advisor
Documents Needed
Application Time
Traditional Bank
30-90 days
$50K-$5M
Always
$250K+
680+ FICO
Often
2+ years
Never
Full financials + tax returns
Days to weeks
Other Online Lenders
2-7 days
$5K-$500K
Usually
$100K-$250K
550-600+ FICO
Sometimes
1+ year
Sometimes
Varies
1-3 days
Funding Speed
Funding Amount
Hard Credit Pull
Min. Annual Revenue
Min. Credit Score
Collateral Required
Time in Business
Dedicated Advisor
Documents Needed
Application Time
Traditional Bank
30-90 days
$50K-$5M
Always
$250K+
680+ FICO
Often
2+ years
Never
Full financials + tax returns
Days to weeks
Apply Now
Won’t affect your credit score.
Financing Options Available with Bad Credit
Your credit score affects which banks will work with you, not which SBG products you can access. Here are the financing options available to borrowers with FICO scores between 500 and 650.
What Approval Actually Depends On
Your credit score is one of more than 50 factors, and it is not the one that decides the outcome. Here is what carries the most weight when we review a file in the 500 to 620 range.
Deposit Consistency, Not Just Revenue Total
The pattern matters as much as the number. A business depositing steadily through the month reads differently from one with the same annual revenue arriving in a few large, irregular payments, because repayment is made out of working cash flow rather than an annual total. Your 4 most recent bank statements are where that pattern shows, which is why they are the only document needed to start.
Time in Business, and the Direction You Are Moving
Six months is the floor, not the target. What the statements show beyond the minimum is direction, and revenue that is growing at 14 months can carry more weight than revenue that has been flat for four years. The question underwriting is answering is whether the business can carry a new payment going forward. A longer history helps. A trajectory helps more.
What Your Score Still Does
It is not ignored. A 500 and a 680 can both be approved on the same revenue, but the score is one of the inputs that shapes the offer: the amount, the term, and the rate you are quoted. That is the honest version, and it is worth knowing before you apply. Your score affects what the offer looks like. Your revenue decides whether there is one.
All you need to Qualify
- No collateral
- No hard credit pull
- No upfront fees
SBG Funding evaluates more than 50 factors when reviewing applications. Revenue consistency, deposit patterns, and time in business carry significantly more weight than your personal credit score. Approvals in the 500 to 620 range rest on the strength of your cash flow rather than the score itself.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Just 3 Steps to Get Funded
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs — no lengthy paperwork to get started.
1
Get Your Options
Our team reviews your application and presents loan options matched to your business profile. We look at revenue, deposit history, and time in business — not just your credit score.
2
Receive your funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
3
28,000+
Businesses funded
$3B+
Funded since 2017
via Trustpilot
Andrew Wolfe made my experience a very good one. Honest, attentive & got the help I needed when I truly thought I could not get it. I would say he pulled a rabbit out of the hat for me. Thank you Andrew.
“Fast, reliable and excellent service. The process was quick and easy. Anyone looking for a reliable company, this is the company you’re looking for. I received my loan much sooner than expected.”
5×
Inc. 5000 honoree
via Better Business Bureau
He thoroughly explained the process to me and was involved from start to finish. I look forward to doing business with him again!
4.9
Trustpilot rating
A
BBB rating
via Trustpilot
SBG was able to get us funding for our Mental Health Clinic when other local lenders said no. Audra Johnson was very easy to work with. She was polite, kind and helped this transition go smooth. Thank you SBG!
85%
Approval rate
via Trustpilot
I was in a very difficult situation, my credit and financials for my business were in bad shape. I needed to find short-term financing fast! Nick Chalfen at SBG Funding helped me secure a loan and access funds the same day!! He worked diligently and clearly communicated every step of the way. When I thought we had exhausted every option possible, Nick came out with the one approval I needed to keep me from a situation that would have taken years to recover from.
4.9
Google rating
via Better Business Bureau
He ensures the process is smooth and easy, with no complications, explaining everything you need upfront so you don’t waste time on the phone or collecting information piece by piece.
Frequently Asked Questions
Yes. SBG Funding’s minimum FICO requirement is 500. While credit score is one factor in our evaluation, we place significantly more weight on your business revenue, deposit consistency, and time in operation. Approvals in the 500 to 600 range rest on the strength of your cash flow rather than the score itself.
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No. SBG Funding performs no hard credit inquiry at any point in the application. We use a soft pull to verify identity only. Your credit score will not be affected by applying.
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Most of the businesses we fund have been declined by at least one bank. Bank declines are almost always driven by rigid credit score thresholds, not by the actual health of the business. If your business generates $150,000+ in annual revenue and has been operating for at least 6 months, we can likely help regardless of your bank experience.
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Most SBG Funding products are unsecured: term loans, lines of credit, bridge capital and working capital require no collateral regardless of your credit score. Equipment financing is secured by the equipment purchased, and a HELOC by your home.
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SBG Funding offers financing from $5,000 to $10,000,000. Your specific approval amount is based on your monthly revenue, deposit patterns, and overall business profile, not your credit score alone. Six-figure approvals rest on cash flow rather than the score, so a FICO below 600 is not a ceiling on the amount.
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SBG Funding requires a minimum FICO score of 500 for all products, including business lines of credit. If your business has consistent revenue and has been operating for at least 6 months, you likely qualify for revolving credit access.
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Rates vary based on your overall business profile, including revenue, time in business, industry, and existing obligations. While a lower credit score may be one factor, strong cash flow and deposit history can offset it significantly. The best way to see your specific rate is to apply. It takes 5 minutes and does not affect your credit score.
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The same speed as any other applicant. SBG Funding makes same-day decisions regardless of credit score, and most approved businesses receive funds within 24–48 hours. Your credit score does not slow down our process.
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The strongest factors in SBG’s underwriting are consistent monthly revenue, regular bank deposits, and time in business. If your revenue is growing, your deposits are consistent, and you’ve been operating for over a year, those signals carry significant weight, even with a credit score below 600.
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To get started, you need your 4 most recent business bank statements. That’s it. No business plan, no tax returns, no audited financials required to begin the process. For larger funding amounts, additional documentation may be requested after initial review.
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Your Credit Score Shouldn’t Stop Your Business
Banks look at a number. SBG Funding looks at your business: your revenue, your cash flow, your track record. If your business is generating consistent revenue, a low credit score shouldn’t stand between you and the capital you need to grow. Apply online in minutes. No collateral, no hard credit pull, no obligation.
Applying will not impact your credit score.