Capital for bad credit
Business Funding for Bad Credit: Working Capital When Banks Say No
A credit score is a snapshot of your past. Your revenue is the story of your present. When traditional lenders say no because of history, Forwardfy Capital looks at where your business is now, and can get you an offer within hours, with funding as soon as the same day after approval.
Three Reasons a Low Score Doesn’t Stop You Here
Flexible Criteria
We evaluate your current business circumstances (deposits, revenue, momentum) rather than relying solely on credit scores.
Fast Decisions
Capital without unnecessary delays: offers within hours and funding as soon as the same day you accept.
Customized Solutions
Offers matched to your business’s requirements and objectives, never a one-size-fits-all product.
Funding Options That Look Forward, Not Back
- Invoice factoring: turn unpaid invoices into working capital. You’ve already earned it; we help you use it now.
- Merchant cash advances (MCA): funding sized on your sales, repaid as a share of revenue, so payments flex with your business.
- Lending against future receivables: need funds based on tomorrow’s income? Turn predictable future revenue into working capital today.
Wondering what it will cost? Bad-credit funding is typically priced with a factor rate rather than an APR: see how factor rates actually work, or compare all funding options side by side before you apply.
Not sure which fits? Estimate what you could qualify for with the affordability calculator, or just call: a human picks up at (855) 393-7449.
The path from “declined” to “funded”
- Click Apply Now and complete the 3-minute form, zero credit impact.
- Receive your personalized finance offer, built on business performance.
- Accept and upload your last 4 months of bank statements securely.
- Receive funds, often as soon as the same day.
Real people pick up.
You’ll talk to a funding advisor, not a phone tree. Monday – Friday, 9:00 a.m. – 8:00 p.m. ET.
Do You Qualify? Check in 30 Seconds
Approval here isn’t a mystery formula. These are the things that actually move the needle:
- Time in business: funding partners generally look for at least 6 months of operating history.
- Monthly revenue: around $10,000+ in monthly sales is the usual mark. Below that? Still apply; we may have options.
- Bank statements: your last 4 months tell the story. Here’s what underwriters look for in your bank statements.
- Funding range: $10,000 up to $6 million, sized on revenue and overall business health. Our online estimator caps at $500,000; call (855) 393-7449 for larger requests.
Exact requirements vary by funding product. Checking your options never affects your credit score.
30-Second Estimate
Three questions, instant range, nothing submitted, nothing stored.
Strong, consistent deposits can push real offers above this range.
Illustrative estimate, not an offer. Checking for real never affects your credit.
Bad Credit Funding FAQs
Can I really get business funding with bad credit?
Yes. Forwardfy Capital evaluates your current business circumstances (monthly revenue, bank deposits, and time in business) rather than relying solely on credit scores. A bank decline doesn't end the conversation: revenue-based options are underwritten on your deposits, not your past.
Will checking my options hurt my already-low score?
No. The 3-minute application has no effect on your personal credit score, and there's no cost or obligation. If a credit check is ever needed before final funding, you'll know first.
What funding types work best for bad-credit situations?
Revenue-based options shine here: merchant cash advances and lending against future receivables are underwritten on your sales, while invoice financing leverages money you've already earned. Your advisor matches the structure to your cash flow.
How fast is funding for bad-credit applicants?
The same as everyone else: apply in under 3 minutes, receive a personalized offer without unnecessary delays, and funds can arrive as soon as the same day you accept.
Can I get a merchant cash advance (MCA) with bad credit?
Yes. An MCA is often the most credit-flexible option because repayment comes from a share of your revenue. Consistent deposits matter far more than your score in a merchant cash advance application, and checking your options never affects your credit.
Related reading: what is working capital? · business line of credit · business loans for women
Related Tools & Guides
Credit Score Needed for a Business Loan
Minimum scores by product and how underwriting weighs them.
Read the guide →Business Loan Denied? What to Do
Common reasons banks decline and the fix for each.
Read the guide →Merchant Cash Advance
Funding sized on revenue rather than your credit score.
Read the guide →Does a Business Loan Affect Personal Credit?
Soft vs. hard pulls and when business debt hits personal credit.
Read the guide →Affordability Calculator
Estimate a funding range from revenue, time in business, and credit.
Open the tool →How to Build Business Credit
EIN, DUNS, net-30 vendors, and score ranges explained.
Read the guide →Your Credit Past Doesn’t Get a Vote on Your Future
Three minutes. No credit impact. A real offer based on your real business.
Checking your options has no effect on your credit score · Monday – Friday, 9:00 a.m. – 8:00 p.m. ET