How do I qualify for a small business loan with bad credit?
The Strategy: This post focuses on empathy and solution-oriented advice. It positions you as an expert who understands that a credit score isn’t the whole story of a business.
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Don’t let a number hold your vision hostage.
Most business owners think a sub-680 credit score is a “hard no” for funding. In 2026, the landscape has shifted. Lenders are looking deeper into your cash flow, consistency, and sector potential than ever before.
If your personal credit is currently a work in progress, here are 3 ways to qualify for the capital you need:
1️⃣ Leverage your daily deposits: Revenue-based financing prioritizes your sales over your score.
2️⃣ Collateral options: Using equipment or accounts receivable can bridge the trust gap with lenders.
3️⃣ Build a “Quiet Authority”: A strong business brand and clear financial systems make you a lower risk, regardless of credit history.
Ready to see what’s possible for your business? Let’s find the right path together.
DM “FUND” to get a custom assessment.
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