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Getting a Small Business Loan with Low Personal Credit

Running a small business takes ambition. Entrepreneurs represent the backbone of the American dream. Clarify is committed to helping business owners grow with the working capital they deserve.

While your personal credit score is a factor in securing a loan, it shouldn’t be the only deciding factor. We understand that your credit rating doesn’t define you or your business.

Get approved and funded within 24-48 hours on our marketplace of 75+ lenders. We take a holistic view of your finances and business model to get you an approval at competitive APRs.

What Lenders Consider When Approving a Bad Credit Business Loan

For most lenders, a bad credit score ranges from 450 to 600. Traditional banks and institutions will rarely fund owners with these credit scores — but you’re in luck! Our network of lenders look at several other factors to approve your business loan application. Here are some of the factors that they weigh, regardless of your personal credit rating:

Gross Monthly Revenue

Most lenders like to see you generating at least $10,000 in monthly gross revenue. The loan amount you get approved for is often a percentage of your revenue

Time in Business

The longer you’ve been in business the better. On average, companies who have been in business for 5+ years have the highest rate of approval with good interest rates. Clarify can also provide funding to companies that have been in business for just 6 months.

Business Credit History

If you have established business credit in the past, that can help as well. More important that your personal credit, is the business’s cash flow and ability to service debt going forward.

Outstanding Debt

To make the approval process faster, know how much outstanding debt you currently have. Lenders look at your debt to income ratio to provide you a financing offer.

Operating Cash Flow

Have the last 3 months of bank statements handy. Lenders will ask to see your most recent bank statements to verify your operating cash flow.


Is your business profitable or showing a positive trend towards profitability month over month? Our loan advisors point you in the right direction so you can get the best financial solution for your company.

Ready To Grow Your Business?

Get instant pre-approval for a small business loan today and have money
in your account within as little as 1 day. Bad credit is okay. Prequalify
without affecting your credit! Application process takes 2 minutes.