Business funding
with bad credit.

Why the bank said no — and why that isn't the end

Banks and SBA lenders price on risk, and they read risk mostly through your credit score and tax returns. Dip below roughly 650 and their model spits out a decline, no matter how healthy your business actually is. It's not a judgment of your business. It's a checkbox.

A different class of lender underwrites differently. They look at the money moving through your account and ask a simpler question: does this business generate enough consistent revenue to comfortably support a payment? If the answer is yes, your score becomes one factor among many — not the gate.

Banks lend on your past. Revenue-based funders lend on your deposits.

What they look at instead of your score

• Monthly revenue — the single biggest lever. Steady deposits open doors a score would close.
• Deposit consistency — regular daily and weekly activity beats a few big lumpy months.
• Time in business — even six to twelve months of operating history helps.
• Industry and existing debt — what you already owe, and how predictable your sector's cash flow is.

The products that work with a lower score

Product	Typical score	Best for
Merchant cash advance	500+	Fast cash against steady card or deposit volume
Short-term business loan	550+	A defined expense with a clear, quick payback
Line of credit	600+	A flexible buffer for recurring or seasonal gaps
Term loan	600+	Larger one-time investments over a longer horizon

These are general ranges, not promises — the right answer depends on your full picture. The point is simple: a 540 score doesn't mean "no funding." It means "not that funding."

Protect the score you have: soft check first

Here's the trap. A frustrated owner applies to eight lenders in a week, each runs a hard inquiry, and the score drops just as they need it most. Every hard pull can ding you a few points and they stack.

Titan starts with a soft credit check — it shows us what you qualify for without touching your score. We shop that single file to multiple funders, so you get a range of real offers from one inquiry instead of a dozen. A hard pull only happens later, with your okay, if you choose to move forward.

Use the funding to climb, not to sink

The smartest move with bad-credit funding is to use it for something that improves the business — then repay on time, which rebuilds the very credit that shut the bank's door. Funding to chase a growing hole does the opposite. If you're already buried in daily advance payments, the honest first step usually isn't more money; it's consolidation.

Questions owners ask

Can you get a business loan with bad credit?

Yes. Revenue-based products such as merchant cash advances, short-term loans, and some lines of credit are underwritten primarily on your business's deposits and time in operation, so funding with a score in the 500s is common.

What is the lowest credit score for a business loan?

There is no universal floor. Bank and SBA loans generally want 650+, but alternative funders routinely approve businesses in the 500s when monthly revenue and bank activity are strong.

Will applying for a business loan hurt my credit?

With Titan it starts as a soft credit check, which does not affect your score. A hard pull only happens later, with your consent, if you move forward with a specific offer.

What do lenders look at besides my credit score?

Average monthly revenue, daily and weekly deposit consistency, time in business, your industry, and existing debt. For many products these matter more than the score itself.

Can I get a business loan with a 500 credit score?

Often yes, through revenue-based funding. The amount and cost depend on your sales. We'll show you what your numbers actually qualify for before any hard inquiry.