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Bad-Credit Funding · 2026

Contractor Business Loans With Bad Credit

Turned down by the bank? Contractors with FICO scores as low as 500 get funded here — approval is built on your revenue and deposits, not your credit report.

Short answer: Contractors with bad or fair credit (FICO 500+) can still get funded when approval is based on monthly revenue and bank-deposit consistency rather than credit score. Banks lead with your credit report; we lead with your cash flow — which is why contractors turned down elsewhere are frequently approved. Amounts run $25,000 to $5,000,000, funded in as little as 24 hours.

What matters more than credit score

How contractor funding is actually underwritten when credit isn't perfect.

FactorWhy it mattersWhat we look for
Monthly revenueShows ability to repay~$30K+/mo in deposits
Deposit consistencySteady beats large-but-spikyRegular business deposits
Time in businessTrack record6+ months
Existing debtRoom to service paymentManageable obligations
Credit scoreConsidered, not decisiveFICO 500+

Why bank-declined contractors get approved

  • Approval weighted on revenue, not credit score
  • FICO 500+ accepted — no perfect credit needed
  • Bank statements tell the real story, not your report
  • Funds in as little as 24 hours
  • Soft credit pull that won't hurt your score
  • Options to rebuild toward better terms over time

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

Can I get a business loan as a contractor with bad credit?
Yes. Contractors with FICO 500+ can qualify because approval is based on monthly revenue and deposit history, not credit score alone.
Will applying hurt my credit?
No. The application uses a soft credit pull, which does not affect your credit score.
What credit score do I need?
Generally FICO 500 or higher. Strong, consistent monthly deposits can outweigh a lower score.
How much can I get with bad credit?
Amounts still scale with revenue — many bad-credit contractors qualify for $25,000 to several hundred thousand, and high-revenue businesses for more.
How fast is funding?
Most approvals fund within 24 hours. The application takes about 5 minutes.

Get funded despite your credit

Apply in 5 minutes with a soft credit pull. See what your revenue qualifies you for — no obligation.

Apply Now →

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.