Bad Credit Business Loans

Quicker, more convenient small business loans even with bad credit

At Spectrum Funding Group, we understand no two businesses or business owners are alike. That’s why we look at each scenario individually to ensure that our clients get the financing that fits with their business goals and needs. By looking at each business individually, we can help approve many more small business loans than our competition.

We can facilitate funding programs for business owners with bad credit history, newer businesses, and those businesses that perform well but can’t show it with financial statements. With our common sense process, we get a large percentage of our business loan applications approved and can get our clients significantly more capital. It only takes a few seconds to apply with our easy online request.

  • Loans from $5,000 to $250,000

  • Same day funding available

  • Easy and quick online application

  • Flexible terms to match your situation

  • Competitive rates

Get a Free Loan Quote

Easy process. No obligation.

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    We Care For People

    It’s more than a name.
    It’s a promise.

    Small business owners, equipment vendors and franchise owners nationwide look to Spectrum Funding Group for growth and expansion capital.

    Our commitment to fast, dependable funding while providing great service is the reason that a large percentage of our business comes from repeat and referrals. We build lending relationships that last.

    Business loans in 3 easy steps.

    Let Spectrum Funding Group help you grow your business today with customized financing.

    Step 1.

    Submit a simple online application.

    Step 2.

    Get a prompt decision during our normal business hours.

    Step 3.

    If your application is approved, funds will be provided fast.

    What We Look For

    Among our minimum lending requirements

    Minimum of one year in business

    $200,000+ in annual revenue

    FICO score of 600
    or more

    Fast small business loans, made easy.

    Spectrum Funding Group understands that business owners often need quick funding for things like inventory, payroll, supplies, expansion, or time-sensitive business opportunities and more. If you are in a cash crunch and cannot afford to wait, we are here to help. We are known for our ability to provide fast business loans.

    Our minimum requirements are one year in business, $200,000 or more in annual revenue, and a FICO credit score of 600 or higher. We will also look at other factors when evaluating your loan application.

    Payments are designed to work with your budget.

    We offer daily, weekly and monthly repayment plans. This provides more flexibility and allows you to have more control over your working capital throughout the financing term.

    As you approach the end of your term, we offer a simple renewal process so you can always access the financing your business needs to drive results and achieve success.