Business Funding for Bad Credit hero

Business Funding With Bad Credit — Revenue Matters More

We look at your monthly deposits, not just your credit score. 500+ FICO considered. All industries, all states.

✓ Direct Lender ✓ Up to $20M ✓ All Industries ✓ Bad Credit OK ✓ No Hard Pull

See Your Options in 60 Seconds

No hard credit pull · Direct lender · All industries
No hard credit pull · Funding in as fast as 24 hours for qualified applicants
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Application Received

A funding specialist will be in touch shortly.

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Up to $20M Funded
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Hour Funding Available
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Industries Served
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Min Credit Score OK

Why Business Funding for Bad Credit

Revenue matters more than your credit score. SMB Capital Funding is a direct lender — we underwrite and fund in-house.

Revenue Over Credit Score

We underwrite based on your monthly deposits. 500+ FICO considered.

No Hard Credit Pull to Start

Checking your options won't affect your credit score.

Transparent Terms

No hidden fees. We explain every term before you sign.

All Industries, All States

Bad credit business funding available nationwide across 50+ industries.

Browse by Industry

We fund businesses in every industry — select yours to see state-specific programs.

📊Accounting 🔧Auto Repair 💅Beauty Salon 🧹Cleaning Service 🏗️Construction 🦷Dental 🛒E-Commerce 🚚Food Truck 🏪Franchise 💪Gym & Fitness ✂️Hair Salon 🏥Healthcare 🏨Hotel & Hospitality ❄️HVAC 🛡️Insurance 🌿Landscaping ⚖️Law Firm 🏭Manufacturing ✨Medical Spa 💅Nail Salon 🐛Pest Control 💊Pharmacy 📷Photography 🔨Plumbing 🏘️Real Estate 🍽️Restaurant 🛍️Retail 🏠Roofing 👥Staffing 💻Technology 🚌Transportation 🚛Trucking 🐾Veterinary 📦Wholesale 🧘Yoga Studio 💼Small Business 🚀Startup 🏪Franchise Owner ⭐Minority-Owned Business ⭐Women-Owned Business 🎖️Veteran-Owned Business 🤝Nonprofit Organization 🏡Home Service 📦Logistics 📣Marketing Agency 🖥️IT Services 👶Childcare ❤️Senior Care 🕊️Funeral Home 🚗Car Dealership 🖨️Printing

Browse by State

State-specific Business Funding for Bad Credit programs — click your state for local options.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

SMB Capital Funding is a DBA of CHC Capital Group. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.

Ready to apply for Business Funding for Bad Credit?

Apply Now — No Hard Pull