Business Funding Beyond Your Credit Score
A low credit score doesn't have to be a dead end. We focus on your business's revenue and health first, with no hard credit check to see what you qualify for.
Working Capital • Business Line of Credit • Merchant Cash Advance • Equipment Financing
Top Rated
USA & Canada
No Collateral
100% Unsecured
Same Day
Fast Approval
Bad Credit Doesn't Mean No Options
Traditional banks lean heavily on personal and business credit scores, which shuts a lot of otherwise healthy businesses out. FundZip works with business owners across a wide range of credit profiles — we weigh your business's revenue and cash flow first, not just a credit report.
Options like working capital loans, a business line of credit, or a merchant cash advance are generally more accessible to lower credit profiles than SBA loans, which lean more heavily on personal credit history.
What We Actually Look At
Checking your funding estimate involves no hard credit check, so it won't affect your score. Instead, we look at how long you've been in business (generally 3+ months) and whether you're generating consistent revenue.
What to Expect
There's no fixed maximum for bad-credit business owners, though your specific rate, term, and amount will reflect the added risk a lender takes on with a lower credit profile — typically meaning a shorter term or higher rate than a business with excellent credit would see.
Building revenue history and making on-time payments on any funding you take can improve your options over time.