Loans for Bad Credit: Fast, Direct, and Accessible in 24 Hours.

    See direct funding options tailored to you. No hidden fees. No impact to credit score.

    No credit impactSoft pull only
    24-hour fundingFast approval
    90% approvedBad credit OK
    Step 1 of 14

    What do you need funding for?

    90%

    Approval Rate

    Even with bad credit

    4.9

    Customer rating

    Based on 12,000+ reviews

    $2.5B+

    Total funded

    Across all credit profiles

    24 hrs

    Average funding time

    From approval to deposit

    Why GBB Loans

    Why Businesses Choose GBB Loans for Bad Credit Loans

    Your credit score doesn't define your business. We look at the full picture — revenue, cash flow, and potential.

    01
    Soft pull only

    No Credit Score Impact

    Our prequalification uses a soft pull only — your credit score stays exactly where it is. Check your options risk-free.

    Soft pull only
    02
    24-hour turnaround

    Fast 24-Hour Funding

    Get approved and funded in as little as 24 hours. No weeks of waiting, no mountains of paperwork.

    24-hour turnaround
    03
    Revenue-based approval

    Flexible Terms for Bad Credit

    Our lending partners specialize in working with imperfect credit. Multiple options tailored to your revenue and cash flow.

    Revenue-based approval
    04
    1-on-1 support

    Dedicated Funding Advisor

    A real person guides you through every step — from application to funding. You're never alone in the process.

    1-on-1 support
    Simple process

    How to get a bad credit loan in three easy steps.

    Three steps from start to funded. No surprises, no hidden fees.

    01
    Prequalify

    Fill out one simple form.

    A straightforward 2-minute form — no bank visits, no hard credit pull. Just the basics about your business and how much capital you need.

    2 minto complete
    02
    Get Matched

    See your best options.

    A dedicated funding advisor reviews your profile and presents the best offer tailored to your business — no comparison shopping on your end.

    Same daydecision
    03
    Get Funded

    Receive your funds.

    Sign your agreement and the money moves. Our average funding time is just 24 hours from approval to your business bank account.

    24 hrsavg. funding time
    No hard credit pullFree to applyNo hidden fees
    Start your application

    Your Options

    Bad credit loan options for your business.

    Each product is designed for business owners with less-than-perfect credit. Find the right fit for your needs.

    Fast Funding

    Short-Term Loans

    Quick capital for immediate needs with flexible repayment terms from 3–18 months. Ideal for bridging cash flow gaps.

    What's included

    • $5K–$250K loan amounts
    • 3–18 month terms
    • Funding in 24 hrs
    • Weekly or daily repayment
    Get started
    Revenue-Based

    Merchant Cash Advance

    Get funding based on your future sales — no fixed monthly payments, no collateral required. Perfect for bad credit.

    What's included

    • $10K–$500K advances
    • Factor rates from 1.1x
    • Same-day funding available
    • Automatic repayment
    Get started
    Revolving Credit

    Business Line of Credit

    Access funds whenever you need them. Only pay interest on what you draw — replenish and reuse as needed.

    What's included

    • $10K–$250K credit limits
    • Draw as needed
    • Only pay on what you use
    • Builds business credit
    Get started
    No credit score impactDecisions in minutesFunds as fast as 24 hrs

    Loan Details

    Loan Amount$75K
    $5K$500K
    Loan Term24 months
    3 mo60 mo

    Credit Profile

    Credit RangeGood
    Est. rate:% APR

    Optional

    Extra Monthly Payment
    $/ mo

    Monthly

    $3,531

    per month

    Interest

    $9.7K

    total interest paid

    Total Cost

    $84.7K

    principal + interest

    Ready to move forward? Based on your inputs — $75,000 over 24 months — you could be approved in minutes.

    Apply now — it's free
    Real results

    Bad credit didn't stop them.

    Real stories from business owners who secured funding through GBB Loans.

    "I was turned down by three banks because of my credit score. GBB Loans matched me with a lender in under an hour, and I had $45,000 in my account the next morning."

    Funded $45,000
    M
    Marcus T.Owner, M&T Construction

    "After a rough year my credit dropped to 540. I didn't think anyone would lend to me. GBB Loans found me a merchant cash advance with terms I could actually manage."

    Funded $32,000
    P
    Priya S.Founder, Bloom Catering

    "The process was unbelievably simple. I filled out one form, got three offers within hours, and chose the best one. No judgment, no hoops — just funding."

    Funded $78,000
    D
    David K.CEO, Keystone Auto Repair
    Common questions

    Loans for bad credit: FAQ.

    Quick answers to help you move forward with confidence.

    Start Your Application

    Ready to Get Funding?

    Your credit score doesn't have to hold you back. Prequalify in under 2 minutes — no fees, no obligation, no impact to your credit.

    No credit impactSoft pull only
    24-hour fundingFast approval
    90% approvedBad credit OK
    Step 1 of 14

    What do you need funding for?

    GBB Loans

    America's largest small business loan marketplace. Funding made simple, fast, and transparent.

    Copyright © 2026 GBB Loans. All rights reserved.

    California loans made pursuant to the California Financing Law, Division 9 (commencing with Section 22000) of the Finance Code. All such loans made through GBB Loans Partners, LLC, a wholly-owned subsidiary of GBB Loans, Inc. and a licensed finance lender/broker, California Financing Law License No. 60DBO-44694. GBB Loans is not a lender and does not make credit decisions. Financing terms, conditions, and eligibility are determined solely by the participating lenders and may vary based on applicant qualifications. Compensation may be received from lenders for referrals or funded loans, which may impact the placement of financing offers. Not all financing options available in the market are listed on this platform. We encourage applicants to carefully review all lender disclosures and loan agreements before proceeding. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    1. Time to fund depends upon the product that you select, and can be as little as 24 hours, but may be longer.
    2. Filling out an application for business funding and submitting it to our funding partners will not impact your personal credit score. However, depending on the product and lender, accepting a funding offer may result in a hard credit inquiry, which could affect your personal credit score.
    3. Funding amounts and number of total loans funded include loans funded under the Paycheck Protection Program.