Bad Credit Business Loans

Invest in Your Own Success

At First Capital Business Finance, we offer bad credit business loans that can give you access to working capital that will help you grow your business. We know that a bad credit score can make other lenders turn you away, but we’ll work to find the right business loan for you even if you have bad credit, and get you the best deal. We have programs that DO NOT require a minimum credit score. That’s right, even if your credit score is under 500 we have available loan programs for you!

How Your Credit Affects Your Ability To Get a Bad Credit Business Loan

Banks use your credit rating as an indicator of your ability to repay a loan. The higher your score, and the better your payment history shows, the more likely you are to make on-time payments with your future loan. A lower score can be a signal that you are more likely to skip payments, fall behind, or default on a loan. Here, we understand that both you and your business are more than a credit score, though. Not only is your personal credit history a consideration, but most finance companies will look at your business credit history. This is why we offer equipment financing and business loans for bad credit.

If your credit is a little challenging, our programs will consider alternative ways to underwrite your credit package.

Here is a list of the FICO credit score ranges:

  • Exceptional (800 – 850)
  • Very good (740 – 799)
  • Good (670 – 739)
  • Fair (580 – 669)
  • Poor (300 – 579)

Bad credit often refers to a FICO score of 300 to 629. A lower FICO score is one of the most common reasons as to why a traditional lender would reject small-business loan financing. 

What We Take Into Consideration

  • Average gross monthly income for the business
  • Length of time in business
  • Industry type

 Do You Qualify For a Bad Credit Business Loan?

  • 4 Months Minimum Time in Business
  • 500 Minimum Credit Score (New No Minimum Score Program!)
  • Minimum of $8,000 Monthly Gross Revenue
  • Available in All 50 States
  • No Assets Required – No Real Estate Required
  • Loan Amounts from $5,000  to $2 Million
  • Business Does Not Need to Process Credit Cards
  • Terms Ranging from 3 Months to 24 Months

Types of Bad Credit Business Loans We Offer

Our financing programs are designed to serve the needs of businesses of all sizes in a wide range of industries.

Start-Up Business Loans for Small Businesses

If you are just getting started, we will work with you to secure the right financing for all of your startup needs. We can offer new businesses advances up to $2,000,000 on their outstanding accounts receivable. AR advances are available with no credit check. The application process is simple and quick, so you’ll have the money you need to get up and running.

Equipment Financing Bad Credit

We have financing specialists on hand to help you find a financing arrangement for all types of business equipment, including commercial trucks and construction, office or heavy manufacturing equipment. We can even finance used equipment. We have financing and business loans for startups and existing businesses with both good and bad credit. Our terms range from 12 to 72 months, allowing you to customize financing to your business situation.

Equipment Financing Available!

  • Start-up Businesses OK! (No minimum time in business)
  • Good & Bad Credit Programs Available
  • Terms Ranging from 12 Months to 72 Months
  • All Equipment Related to your Business can be Financed!
  • Financing from $5,000 to $5,000,000

Unsecured Working Capital Business Loans

We offer both lines of credit and loans that can give you access to much-needed working capital, too. If you are having a cash flow crunch, we can help. Our application process is simple and quick, with same- or next-day approvals possible. With our capital loan program, funding can happen in as little as five days so that you can meet immediate business needs. Our financial consultants have extensive knowledge about underwriting criteria, and they will work to guide you through the application process.

Minimum Qualifications for a Business Loans

First Capital Business Finance has repayment terms ranging from three to 24 months. Business Loan amounts are available from $5,000 to $2 million, so you can get the capital you need even if your credit isn’t where it should be. We don’t require you to have a credit card processing agreement or to put real estate up as collateral. We offer generous and flexible business loans for bad credit with just these minimum qualifications:

  • A credit score of 500 or higher
  • Minimum of $8,000 Monthly Gross Revenue
  • An established business for at least 6 to 12 months

Apply for a Bad Credit Business Loan Today

At First Capital Business Finance, we offer unmatched customer service to our clients nationwide. We can help you get the financing that’s necessary to grow your business whether you have good, bad, or no credit. Call 888-565-6692 or contact us to learn more, get prequalified for a business loan, or start your application.


When others say no, First Capital say’s YES

Dear Dustin,
I want to take a moment to thank you and your staff. When other small business lenders say no, First Capital Financing say’s YES. You and your co-workers do what it takes to help small businesses..
–Jeremiah J Landscaping Co.


It’s challenging to be a small business owner in 2020. The COVID-19 pandemic forced institutional and economic change beyond personal health mandates. The spread of the illness required governments to shut down borders and businesses, requiring self-quarantine and isolation. While the drastic and necessary measures curbed the increasing numbers of infected, the disease has severely compromised many small businesses.

See the answers to our most Frequently Asked Questions!

How do I apply?

There are several ways you can apply:

  1. You can do your application over the phone with one of our advisors. Just call 888-825-1699.
  2. You can download our credit applications HERE.
  3. You can submit your contact information online using our form. Then the next available advisor will reach out to you.

Do you finance start-up businesses?

Yes! We have a wide variety of programs that are specifically for startups!

How long does it take to get funded?

Depending on the type of equipment, and dollar amount, transactions can fund in as little as 24 hours. Again, this will depend if you and the equipment qualifies.

Can I finance used equipment?

Yes, we do offer financing for used equipment. Keep in mind there are different guidelines for all programs and it’ll also depend on if the seller of the equipment is a dealer or private party.

How long does it take to get approved?

Typical turn-around times are 24 hours, or sometimes even quicker than that!

In very rare cases, it may take longer due to the time of the year and volume of applications we are working on.

What are the different types of financing programs you offer?

We offer a wide variety of financing programs for business owners.

The most popular is our equipment financing programs: Equipment Leasing & Equipment Finance Agreements.

We also offer Factoring (also known as “accounts receivable financing”) and working capital loans.

Do I need to provide proof of income or provide tax returns to qualify?

The majority of our programs are called “Application Only”, and that means no proof of income is necessary. Depending on the credit, time in business, type of equipment, industry, and the amount you’re seeking to finance we may need to see income. Proof of income can be as simple as your last three months’ bank statements.

Why should I lease equipment when I can use my cash?

One of the greatest advantages with leasing equipment, is the ability to obtain the necessary equipment with little to no money down.

It allows the business owner to preserve their cash, and to obtain new or used equipment by making monthly payments anywhere from 12 to 72 months.

What if I have bad credit? Can I still obtain financing for my business?


We have a wide variety of programs that is suited for business owners who have challenging credit. Like any other program, there are guidelines and there are too many variables to go into it here. The best is to have a conversation with one of our advisors to see what you may qualify for.

Call Us Now!

What type of equipment can I finance for my business?

If the equipment is essential for your business, we can finance it!

For example, if you own a medical practice, we wouldn’t be able to finance a bulldozer for that type of business. But we can finance commercial vehicles, restaurant equipment, medical equipment, software, yellow iron, just about anything!

There are some instances where we wouldn’t be able to finance a specific type of piece of equipment, but it’s always best to call and speak to one of our advisors first.

Click Here to View Equipment We Finance

What types of rates do you offer?

Our finance rates are very competitive within our industry, and we’ll always strive to find the best suited program with the best terms.

What types of equipment financing do you offer?

The following are the type of leases First Capital Business Finance offers:

  • Equipment Finance Agreement (EFA)
  • Fair Market Value (FMV)
  • 10-20% Purchase Option
  • Dollar buyout ($1 out)
  • Term Residual (TR)
  • Sale-Leaseback (SLB)

Learn more by calling us at 888-825-1669!

What is a lease?

A lease is a contractual arrangement where one person/business (lessee), the lender/owner(lessor), owns an asset and provides possession and use of the asset to another person, the lessee, for a fixed term.

The lessor is the legal owner of the asset/equipment and the lessee has the legal right to use the asset/equipment in exchange for rental payments.

What is an EFA (equipment finance agreement)?

An equipment finance agreement is an alternative to the traditional lease, and it is very similar to a loan.

  • Fixed monthly payments
  • Terms ranging from 12 to 72 months

The EFA terms and conditions is similar to a lease, but it is not a lease.

At the conclusion of the equipment finance agreement, you have no future financial obligations to the lender.

Unlike a lease, an EFA will not have a buyout at the end of the term; whereas, with a lease, there will usually be a buyout to own the equipment.

Business Loan | First Capital Business Finance