Powered by LevrBusiness loans with bad credit
Credit under 650: who still lends, what it costs, and how to climb out.
Learn moreStartup business loans with no revenue
No sales yet: the few real options and the ones that will waste your time.
Learn moreBusiness loans with no collateral
Nothing to pledge: unsecured products, SBA, and what a personal guarantee means.
Learn moreFast business loans: funding in 24 to 72 hours
Money in 24 to 72 hours: which products are that fast and what speed costs.
Learn moreWhat to do when the bank says no
Declined by your bank: find out why, fix what you can, and where to go next.
Learn moreFinancing the purchase of a business
Financing an acquisition with SBA 7(a), seller notes and 10% down.
Learn moreRefinancing and consolidating business debt
Replacing expensive loans and advances with one cheaper payment.
Learn moreBusiness loans for hiring and payroll
Funding a hire or a payroll gap without starving the business.
Learn moreBusiness loans for buying inventory
Stocking up for a season or a big order with inventory and PO financing.
Learn moreFinancing a second location
Opening unit two on the strength of unit one.
Learn moreCovering a cash flow gap
Covering a short gap between paying out and getting paid.
Learn moreBusiness loans to pay a tax bill
Paying the IRS or CRA with a loan, a payment plan, or both.
Learn moreBusiness loans for seasonal businesses
Borrowing against the whole year when lenders only see the slow months.
Learn moreBusiness loans under one year in business
Open less than a year: what opens at 6 and 12 months.
Learn moreKey facts
- Standard borrower
- 2 years in business, 680 credit, $250,000 revenue, profitable
- Most common gaps
- Credit under 650, under two years, no collateral, a cash flow emergency
- What that costs
- Typically 1.5 to 3 times the rate a standard borrower pays
How lenders decide, and why your situation matters
Every lender runs the same four checks: time in business, revenue, credit, and what happens if you stop paying. A standard borrower passes all four and gets bank pricing. Miss one and you move to lenders that price for that gap: short term lenders for thin credit, revenue based lenders for young companies, factoring and equipment lenders for no collateral. Miss two or three and your options narrow to the most expensive products. Business loan requirements explains each check and why loans get denied explains the fixes.
Apply once and reach a lender in every category. Free for your business.Or ask your AI assistant to apply for you through our MCP server.
Apply nowHow to use these pages
Pick the situation that describes you best. If two apply, read both, because the products that consider you are the ones that accept both gaps, and the list gets short. Each page ranks products by fit, names the ones that will decline you, and gives a 30, 90 and 180 day plan to improve your odds. Then check your industry page, since the same situation plays differently for a dentist and a restaurant. One application here reaches lenders in every category.
| Situation | Still open | Usually closed |
|---|---|---|
| Credit under 600 | MCA, factoring, equipment with a down payment | Banks, SBA, unsecured term loans |
| No revenue yet | SBA microloans, equipment, business credit cards | Everything that underwrites sales |
| No collateral | Unsecured loans, lines, revenue based, SBA 7(a) | Real estate and asset based lenders |
| Need money this week | MCA, short term loans, online lines, factoring | Banks and SBA |
| Under one year | Factoring, equipment, MCA after six months | Banks, most term lenders |