Can I get business finance with bad credit?

A poor credit history does not automatically rule you out, though it does narrow the field and can affect terms.

The important thing to understand is that lenders look at more than a single score. They weigh your trading history, your sector, how your business is performing now and, crucially, the quality of your sales ledger. Invoice finance is a good example: because the funder is advancing money against invoices your customers owe you, the creditworthiness of those customers matters as much as, and sometimes more than, your own.

Two things are worth knowing:

• Lenders differ a lot. One lender’s decline is not the market’s verdict. Appetites vary widely, and a profile that one funder will not touch, another will price sensibly.
• How the deal is presented matters. A well-packaged application that explains the context goes further than a bare set of numbers.

This is where a broker earns its place. Rather than firing off applications and collecting declines, which can themselves leave marks, we match you to the lenders most likely to be comfortable with your situation and present the case properly.

We cannot promise an approval, and we would be wary of anyone who does. What we can do is give you a straight read on your options and go to the right lenders first.