Bad Credit Business Loans
Get access to flexible financing with a 500+ FICO. Simple application, same-day options, and 24-hour funding to fuel your next big move.
- Minimum 500 Credit Score
- Approval in as little as 4 hours
- No Hidden Fees
- Transparent Terms
- No prepayment penalties
Accredited, Proven, and Licensed
Fuel Your Next Big Move
Funding amounts up to $500K
Terms up to 24 months
Ideal for larger expenses and expansions
Flexible Financing for Every Business
We believe your business’s success should be measured by its results, not just credit history.
Traditional loans are hard to get with bad credit because they rely on your past. Our Revenue-Based Financing focuses on your monthly sales to determine your funding power.
Process Overview
1
Complete the application.
Funding made fast with our easy, minute-long process.
2
Get a decision.
Work with a funding advisor to choose the best option for your business.
3
Receive your funds.
Sign your agreement and access your funds next business day.
Minimum Requirements
6 months in business
$120K in annual business revenue
500 personal FICO score
Business checking account
The Clear Skies Capital Advantage
No Hard Credit Pulls
Apply for a business loan without affecting your credit.
Quick Turnaround
If approved, business loans can fund as soon as the next business day*.
Build Business Credit
On-time payments can help build business credit.
Trusted by business owners in all 50 states.
What makes our Financing better?
Get the financing you need quickly, easily, and with a team that knows your business.
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Clear Skies Capital®
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Bank Line of Credit
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Bank Term Loan
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SBA 7(a) Loan
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Processing Time
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24-72 Hours
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45+ Days
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45+ Days
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45+ Days
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Requirements
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Business Type
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All Types
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Businesses with operating history (typically more than a year) and revenue
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Businesses with operating history (typically more than a year) and revenue
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Small Business as defined by the SBA
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Location
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Operating Business in the United States
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Varies
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Varies
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US Only
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Business Plan
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No
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Yes
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Yes
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Yes
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Profitable
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Varies
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Varies
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Varies
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Yes
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Cash Flow
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< 3-6 days of negative balances
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Varies
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Varies
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Varies
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Outstanding Debt/Credit
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Credit-worthiness of business assures repayment of loan (FICO + Various measurements)
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Credit-worthiness of business assures repayment of loan
+ Excellent personal credit |
Credit-worthiness of business assures repayment of loan
+ Excellent personal credit |
Credit-worthiness of business assures repayment of loan
+ No delinquent debt to U.S. government +660+ FICO |
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Collateral
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No
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Yes
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Yes
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Yes
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Money Down
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No
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Yes
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Yes
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Yes
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Terms
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Funding Amount
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Up to $500K
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Typically, 60% to 80% of collateral’s assessed value
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Typically, 60% to 80% of collateral’s assessed value
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Up to $5 million
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Interest
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Fixed rate
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Fixed and variable rates
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Fixed and variable rates
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Market-based fixed or variable rates (SBA capped)
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Repayment
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Fixed or variable monthly payments, which can be based on monthly revenue or cash flow
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Monthly payments of principal and interest from the cash flow of the business
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Monthly payments of principal and interest from the cash flow of the business
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Monthly payments of principal and interest from the cash flow of the business
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Maturity Terms
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Up to 24 months
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Varies, short- and long-term loans
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Varies, short- and long-term loans
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Up to 10 years for working capital
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Out of pocket fees
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No
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Yes
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Yes
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Yes
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Prepayment Penalty
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No
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Varies
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Varies
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Yes
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Use of funds restrictions
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No
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Yes
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Yes
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Yes
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Covenants
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No
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No
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No
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Yes
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FAQ's
Revenue-Based Financing provides funds based on your monthly revenue. You repay through a percentage of your sales, making payments flexible.
You can finance up to $2,000,000 through Revenue-Based Financing.
Approvals are typically done within 4 hours, with funds available in 24 hours.
No, collateral is not required for Revenue-Based Financing.
Repayments are based on a percentage of your monthly revenue, ensuring you only pay as your business earns.
No, there are no upfront fees, and we offer a free consultation.
You need at least $100,000 in annual gross sales and a minimum of six months in business.
Yes, we offer financing options for businesses with all credit types.
You can apply online through our simple application form or call us at (800) 230-9822.
Unlike traditional loans, payments are tied to your revenue, and there are no collateral or upfront fees.
Yes, you can use the funds for any business-related expenses, such as marketing, inventory, or hiring.
You can email us at info@clearskiescapital.com or call (800) 230-9822.
Yes, we have many satisfied clients who have left 5-star reviews on Google.
Yes, our experts will help you find the best financing solution for your business needs.
Why Choose Clear Skies Capital for Bad Credit Business Loans?
Traditional banks often reject small businesses based on credit history alone. We do things differently. At Clear Skies Capital®, we look at your current revenue and future potential to provide bad credit business loans that help you grow.
Flexible Funding When Banks Say “No”
Don’t let a credit score hold your business back. We offer Revenue-Based Financing designed for real-world business cycles. By focusing on your monthly revenue rather than just your FICO, we provide the flexible capital you need to keep moving forward.
Approvals with 500+ FICO: Because credit alone doesn’t pay the bills
24-Hour Funding: Access capital as soon as the next business day.
Simple One-Page Application: No mountain of paperwork.
Use Your Capital for Any Business Goal
Whether you need to purchase equipment, hire staff, or manage taxes, our funding is designed to be as flexible as your business needs. We believe in second chances and are committed to being a trusted resource for small business loans regardless of your credit score.
Ready to Move Forward?
You’ve worked hard to build your business. A rough patch in your credit history shouldn’t be what holds you back. Clear Skies Capital is here to help you get the capital you need.
Click Here To Start Your Application
Read more about Bad Credit Business Loans here.