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✓ Funded in 24 hours✓ 500+ credit OK✓ $25K–$5M✓ Soft credit pull✓ Apply in 1 minute
Bad-Credit Funding · 2026

Fast Business Loans for Bad Credit

Turned down for your credit? Get funded on your revenue instead — fast, with FICO 500+ accepted.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
All industriesdirect funder
No collateralfor working capital

See how much your business qualifies for

$25K to $5M — approved on your revenue, funded in as little as 24 hours. A direct funder built for speed. No collateral for working capital.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

Apply Now — Get Funded in 24 Hours

Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: Businesses with bad or fair credit (FICO 500+) can get fast funding when approval is based on monthly revenue and bank-deposit consistency rather than credit score. Direct Fast Funding funds in as little as 24 hours, from $5,000 to $5,000,000, with a soft credit pull that won't hurt your score.

What matters more than your credit score

How fast bad-credit funding is actually underwritten.

FactorWhy it mattersWhat we look for
Monthly revenueShows ability to repay~$20K+/mo in deposits
Deposit consistencySteady beats spikyRegular business deposits
Time in businessTrack record6+ months
Credit scoreConsidered, not decisiveFICO 500+

Why bank-declined businesses get approved

  • Approval on revenue, not credit score
  • FICO 500+ accepted
  • Bank statements tell the real story
  • Funds in as little as 24 hours
  • Soft credit pull — no score impact
  • Path to better terms over time

What you need to apply

  • US-based operating business
  • 6+ months in business
  • ~$20,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Can I get a business loan with a 500 credit score?
Yes — FICO 500+ can qualify because approval is weighted toward monthly revenue and deposit history.
Will checking my options hurt my credit?
No — it's a soft pull that doesn't affect your score.
How fast can I get funded with bad credit?
Most businesses fund within 24 hours of approval.
How much can I get?
Amounts scale with revenue, from $5,000 up to $5,000,000.
What documents do I need?
Just 3 months of business bank statements.

Get funded despite your credit

Apply in 5 minutes with a soft credit pull. See what your revenue qualifies you for.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

Apply Now →

Why owners choose Direct Fast

A direct funder — no broker layer, no runaround. Fast capital approved on your revenue.

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Funded in 24 hours

Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.

🤝

Direct funder — no brokers

You deal with the funder, not a middleman. Faster answers, better terms, no stacked markups.

📊

Approved on your revenue

500+ FICO accepted. We underwrite on your bank deposits and sales, not just your score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

START MY 1-MINUTE APPLICATION →
Apply Now — Funded in 24 Hours →
Before you go

See how much your business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute