Bad Credit Business Loans Up To $250,000

Simple application. Simple process.

Bad credit business loans made easy.

Do not let a poor credit score prevent you from getting the cash that your small business needs. Bad credit business loans from Balboa Capital are helping entrepreneurs like you finally hear a “yes” instead of a “no.” While your credit score will play a role in the approval process, we also look at how long you have been in business and how much annual revenue you generate, among other factors.

If your loan application is approved and you decide to move forward, one of our helpful business funding specialists will contact you to discuss your options and answer any questions you have. Balboa Capital offers competitive rates and flexible payback terms.

Loans from $5,000 to $250,000
If approved, same-day funding is available
Easy online application
One-hour approval decisions during regular business hours
Flexible terms available
Competitive rates

Business loans in 3 easy steps.

Submit a simple online application.
Get a prompt decision during our normal business hours.
If your application is approved, funds will be provided fast.

What we look for.

Minimum of one year in business

$300,000+ in annual revenue

FICO score of 620 or more

These are some of our minimum lending requirements, and meeting them does not constitute a business loan approval.
Should you apply for a small business loan, additional lending criteria will determine if you qualify.

See how much funding your small business might qualify for.

At Balboa Capital, we understand that credit-related issues affect many small businesses like yours. We also know that access to capital is often needed to help companies succeed. However, there are huge risks associated with being unable to borrow money. Your business might become a cash-starved operation with slow growth, decreased profits, and missed opportunities. Even worse, it might end up closing its doors for good.

Before any of these things happen, find out what small business owners across the United States have learned: obtaining a loan without having near-perfect credit is possible with Balboa Capital. To see how much funding you may qualify for, submit a business loan application. A bad credit loan from Balboa Capital can come in handy when you have pressing financial obligations. You can use it to pay your workers, launch a new website, expand your small business, purchase inventory, pay taxes, or any other business-related need.

A leading provider of business loans with poor credit nationwide.

Choosing a lender can be difficult because there are so many options available. Some of the main things you want in a business lender are experience, lending power, and reputation in the marketplace. You will feel confident knowing that Balboa Capital has provided loans to thousands of business owners nationwide.

We have an A+ rating with the Better Business Bureau (BBB), many hundreds of verified five-star customer reviews online, and one of the highest Net Promoter Scores (NPS) in the U.S. financial services industry.

female business owner smiling in her coffee shop

Frequently asked questions about bad credit business loans.

What is a bad credit business loan?

A bad credit business loan is a type of funding designed to help business owners who are dealing with credit challenges. Bad credit business loans their name because the business owner has a lower credit score than most lenders require. The good news is that many lenders can extend loans to companies with average or poor credit so long as they meet other borrowing requirements.

Can I get a business loan with bad personal credit?

You may qualify for funding if you meet Balboa Capital’s borrowing requirements. We will look at your credit score, cash flow, annual revenue, time in business, and other criteria.

Will I pay higher interest on a bad credit business loan?

Yes. Balboa Capital takes on more financial risk with poor credit loans due to their easier qualification requirements, which translates into higher interest rates. That said, getting a loan with a higher interest rate might be your best option if you need funding immediately. It is worth noting that other factors affect business loan rates, too, such as time in business, cash flow, and annual revenue.

How do I apply?

Balboa Capital makes it easy to apply; our application is online and takes just a few minutes to complete. Once we receive your application, it will be reviewed right away during our regular business hours. One of our account managers will contact you to discuss your options.

What can a bad credit business loan be used for?

You can use your funds for a number of business-related needs. These include payroll, taxes, marketing, inventory, and expansion efforts.

How long does it take to get funding?

Once your application is approved, and our checklist is complete, the funding process will begin. Balboa Capital can provide you with funding quickly; certain loan amounts can be funded on the same day during our regular business hours.

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Reasons to choose Balboa Capital.

Lender with an A+ BBB rating

Over $7 billion funded nationwide

Simple, quick process

Additional links for entrepreneurs.

Poor credit business loans infographic
A visual overview of poor credit business loans.

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