Your credit score is not the whole story
Bad Credit Business Loans
Bad Credit Business Loans
Financing for businesses with a damaged or thin credit file, underwritten primarily on how the business is actually performing now.
- Time in business: 9 months minimum
- Annual revenue: $150,000 minimum
- Available in: 50 states nationwide
- Documents: 3 months bank statements
Bad Credit Business Loans: is this right for me?
How does TwinFold business funding work?
Start with the one-page application so we can determine what your business is eligible for. A funding expert then walks you through the options you qualify for. If you would rather talk it through first, call us and we will start there instead.
How much can I apply for?
Financing ranges from $5,000 to $1,000,000 depending on your revenue, time in business, and the product that fits best.
How do I repay the funds?
Repayment is typically collected by daily, weekly, or biweekly ACH. Some products instead take an agreed percentage of receipts, so the amount moves with your sales.
How long does a decision take?
Approval can come in as little as 24 hours. One to three business days is typical from completed application to funds in your account.
What do you need from me to apply?
Four months of recent business bank statements. There is no hard credit pull to get an offer, and no financials or tax returns for most products.
What are the typical rates and terms?
Pricing is risk-based, so it depends on your revenue, time in business, and credit profile. Terms run up to 24 months on most products and considerably longer on SBA loans. We show total cost up front.
Secure the capital you need based on cash flow — without pledging any asset or collateral.
Use the capital for anything the business needs, from covering everyday operations to taking a growth opportunity.
When you need cash quickly, approval can come in as little as 6 hours and funding in about 48 hours.
Clients who shorten their payment cycle qualify for an early payoff incentive, so paying down early helps fund what’s next.
No Hidden Fees
Move your company forward using additional capital with no hidden fees and no hard credit pulls.
TwinFold Capital is your #1 source for securing quality funding
We will be more than happy to answer your questions
3 Easy Steps For Success
These programs exist for businesses with low credit scores or a short credit history — the applications a conventional bank declines before looking at the operation.
Credit is still a factor, but the weight sits on revenue, deposit consistency, and time in business, which describe how the business is doing today rather than years ago.
Lending against a weaker credit profile carries more risk and the pricing reflects that. We show the total cost up front so you can judge whether the funding earns its keep.
Borrowing responsibly and repaying on schedule improves your profile, and clients who build that history routinely come back to better pricing and longer terms.
No Restrictions
There are no limitations on how you use your funds. So you can focus more on your busiess, while we get you the funds.
