What credit score do I need for a bad credit business loan?

Our fast-track program requires a minimum 640 FICO score on Experian. If your score is below 640, our credit repair program can raise it 50–150+ points in 30–90 days, then you qualify for funding up to $500,000.

Can I get a business loan with a 600 credit score?

A 600 score is below our 640 minimum for fast-track funding. However, our credit repair program can typically raise a 600 score to 640+ within 30–60 days. Many clients with 600 scores complete credit repair and then receive $100,000–$500,000 in funding.

Do bad credit business loans require collateral?

No. All of our funding programs are 100% unsecured. We do not require real estate, equipment, inventory, or any other collateral.

How fast can I get a bad credit business loan?

If you already have a 640+ FICO score, you can be funded in 1–2 business days. If you need credit repair first, the full process typically takes 30–90 days from credit repair to funded.

What is the maximum amount for a bad credit business loan?

With a 640–699 FICO score, you can access $50,000–$100,000. After credit repair brings your score to 700+, you may qualify for up to $500,000 in total funding.

Fair Credit Welcome

Bad Credit Business Loans — Fair Credit Accepted

Traditional banks say no to fair credit. We say yes. A 640 FICO score on Experian qualifies you for up to $100,000 in unsecured business funding — no collateral, no upfront fees, funded in 1–2 days.

Score below 640? Our credit repair program rebuilds your credit in 30–90 days, then unlocks up to $500,000 in total funding.

Check My Eligibility Credit Repair Program

Two Paths to Business Funding

No matter where your credit stands today, we have a path to get you funded.

PATH 1 — FAST TRACK

640+ FICO Score

You qualify for immediate funding. No credit repair needed.

Up to $100,000 in funding

Funded in 1–2 business days

No collateral required

No upfront fees

Soft pull only until pre-approved

Apply Now — Free Review

PATH 2 — CREDIT REPAIR + FUNDING

Below 640 FICO Score

We repair your credit first, then unlock significantly higher funding amounts.

Credit repair in 30–90 days

Score boost of 50–150+ points

Up to $500,000 in total funding

30-day money-back guarantee

Full-service credit dispute team

Learn About Credit Repair

Why Choose Fast Funding Cash for Bad Credit Business Loans?

Fair Credit Accepted

640 FICO is our minimum — not 700+. We work with entrepreneurs banks turn away.

No Collateral Ever

100% unsecured funding. Your home, car, and business assets are never at risk.

No Upfront Fees

You pay nothing until you are funded. No application fees, no processing fees.

Human Review

Every application is reviewed by a real person — not an algorithm. We look at your full picture.

Nationwide Service

We serve clients in all 50 states. Michigan-based, nationally focused.

24/7 Availability

Text or call any time. We are available around the clock to answer your questions.

Bad Credit Business Loan FAQs

Don't Let Bad Credit Stop Your Business

640 FICO = funded in 48 hours. Below 640 = credit repair + up to $500K in 30 days.

Apply Now — Free Review Book Free Consultation