Bad Credit Business Loans & Merchant Cash Advance

“Capital is the lifeblood of a growing business, providing the necessary fuel to drive its expansion and success. Whether a business needs funds to invest in new equipment, hire additional employees, or expand into new markets, capital is essential. It enables entrepreneurs to seize new opportunities, mitigate risks, and weather unforeseen challenges. Without sufficient capital, a business may struggle to meet its financial obligations or miss out on growth prospects. Moreover, having access to capital allows a business to be more innovative, agile, and competitive, as it can invest in research and development, marketing campaigns, and technological advancements. Ultimately, capital represents the foundation upon which a growing business can build a solid future.”

Owners of small and medium-sized businesses often face a common challenge: They need capital to grow and strengthen their businesses, but bad credit may be holding them back. Forget trying to get a loan or line of credit from a “traditional” financial institution. A poor credit history will nearly always result in rejection for funding.

But that’s why the short term business loan has become the loan of choice for small businesses in every sector and in every state across the U.S. We get it: Starting and running a business isn't easy, and maybe your credit took a hit as a result. But that doesn't mean that you shouldn't be able to take advantage of growth opportunities as they arise.

Businesses need capital to grow, plain and simple. Our bad credit business loans and merchant cash advances were developed with small businesses in mind, even those whose owners have poor credit.

These loans for small businesses provide a number of clear benefits:

  • Shorter terms, usually 4-12 months

  • Simple repayment terms

  • Quick turnaround, as in approval, underwriting and funding

  • Fast access to funds, with money in your account in as little as 24 hours

  • Quick and easy application process; little paperwork required

Not only that, but you won’t be disqualified for bad credit. Business loans from LVRG are a great option for businesses with poor credit. In fact, we look at so much more beyond your credit history:

  • Is your business growing?

  • Are there growth opportunities ahead that financing will help you leverage?

  • Are you paying vendors?

  • How is your cash flow history?

We've found that poor credit history is not a good predictor of future business growth or success. Instead, it’s knowing when to seek business financing and having a plan for how you’ll use the capital to generate more revenue or accelerate it. Short-term business loans and business cash advances more than pay for themselves when you factor in the additional revenue they help generate and business costs they can save.

Business owners with bad credit are using these business loans just like everyone else, to take their businesses to the next level:

  • Expand or remodel

  • Even out cash flow, during non-peak or pre-rush seasons

  • Purchase inventory

  • Purchase equipment, from machinery to vehicles to furniture to technology

  • Launch new marketing or advertising campaigns

  • Expand their staffs and training

  • Acquire another business

  • Introduce new products

And the list goes on. Short-term business loans and merchant cash advances from LVRG have helped thousands of businesses just like yours not only turn the corner but pull ahead in the race. Bad credit or not, we’re here to help your business grow.

Diverse Financing Solutions Tailored to Empower Your Business Growth.
10,000 Businesses Funded, $1B+ in Facilitated Transactions, LVRG is Your One-Stop Shop for Business Financing.

Revenue Based Financing
Revenue based financing from LVRG Business Funding allows businesses to receive capital in exchange for a percentage of future revenue. This type of funding is ideal for businesses with fluctuating incomes, as repayments adjust according to monthly revenue. It provides flexibility, enabling businesses to scale operations without the pressure of fixed monthly payments. Unlike traditional loans, revenue based financing does not require collateral, making it accessible for businesses with limited assets. This option is particularly popular among companies with strong revenue projections but lacking substantial credit history. Gain the financial freedom to grow with a financing model aligned with your business success. Learn more

Cash Flow Financing
Cash flow financing from LVRG Business Funding leverages the expected future cash flows of a business to secure a loan. This type of financing is crucial for maintaining smooth operations, covering daily expenses, and addressing immediate financial needs. It’s based on the business's ability to generate steady income, rather than relying solely on credit history or collateral. This makes it an attractive option for businesses experiencing seasonal fluctuations or growth spurts. By ensuring you have the necessary working capital, cash flow financing helps sustain business momentum and prevent operational disruptions. Keep your business thriving with reliable cash flow support. Learn more

Working Capital Financing
Working capital financing from LVRG Business Funding provides businesses with the funds needed to cover short-term operational expenses. This type of financing is essential for managing daily costs such as payroll, rent, and inventory purchases. It helps maintain liquidity, ensuring that your business can operate smoothly without cash flow interruptions. Working capital financing can be structured in various forms, including lines of credit, short-term loans, and advances. This flexibility allows you to choose the best option for your specific needs, helping you to focus on growth and profitability. Secure the operational funds necessary for your business's day-to-day activities. Learn more

Merchant Cash Advance
A merchant cash advance (MCA) from LVRG Business Funding provides businesses with a lump sum of cash in exchange for a portion of future gross sales. This financing option offers fast access to capital with flexible repayment terms tied directly to your daily sales volume. Unlike traditional loans, MCAs do not require fixed monthly payments, making them suitable for businesses with fluctuating revenues. The application process is straightforward, with minimal paperwork and quick approval times. This makes MCAs an attractive solution for businesses needing immediate funds for inventory, marketing, or operational expenses. Accelerate your business growth with a merchant cash advance. Learn more

Bad Credit Business Loan
Bad credit business loans from LVRG Business Funding are designed for companies with less-than-perfect credit histories. These loans provide an opportunity to secure funding despite past financial challenges, with lenders focusing on the overall health and potential of the business. While interest rates may be higher to mitigate risk, these loans can be a lifeline for businesses needing capital to stabilize or expand. They can be used for various purposes, including purchasing equipment, refinancing debt, or boosting working capital. By demonstrating reliable repayment, businesses can also improve their credit scores over time. Explore your options with bad credit business loans. Learn more

SBA Loan
SBA loans from LVRG Business Funding, backed by the Small Business Administration, offer favorable terms and lower interest rates than conventional loans. These government-backed loans are available to small businesses that meet specific criteria, providing access to essential funding for growth and stability. With longer repayment terms and lower down payments, SBA loans are ideal for major investments such as real estate, equipment purchases, or business expansion. The application process, though rigorous, is worth the effort due to the financial benefits and support provided. Secure a reliable and affordable funding source to drive your business success. Learn more

Business Line of Credit
A business line of credit from LVRG Business Funding offers flexible, revolving access to funds up to a predetermined limit. This financial tool is perfect for managing cash flow, addressing unexpected expenses, and seizing growth opportunities. Unlike traditional loans, you only pay interest on the amount you draw, making it a cost-effective solution. Repayment terms are flexible, allowing you to reborrow as you repay. This continuous access to capital helps businesses maintain operational stability and respond swiftly to financial needs. Ideal for seasonal businesses or those with variable cash flows, a business line of credit ensures financial agility. Learn more

Business Term Loan
Business term loans from LVRG Business Funding provide a lump sum of capital with fixed repayment terms and interest rates. These loans are suitable for significant investments such as expansion projects, equipment purchases, or large-scale operational costs. With predictable monthly payments, businesses can manage their budgets more effectively. Term loans typically offer longer repayment periods and lower interest rates compared to short-term financing options. They require thorough financial documentation and a solid credit history, but the benefits include stability and clear financial planning. Empower your business growth with the certainty and support of a business term loan. Learn more

Revolving Inventory Line of Credit
A revolving inventory line of credit from LVRG Business Funding allows businesses to finance their inventory purchases, providing continuous access to capital as needed. This type of financing is essential for maintaining optimal stock levels without straining cash flow. Businesses can draw funds to purchase inventory, repay, and then reborrow as necessary. This flexibility ensures you can meet customer demand and capitalize on bulk purchasing opportunities. It’s particularly beneficial for businesses with seasonal fluctuations or high inventory turnover rates. Maintain a steady supply of inventory and keep your business running smoothly with a revolving inventory line of credit. Learn more

Contract Backed Loan
Contract backed loans from LVRG Business Funding use the revenue from existing contracts as collateral to secure financing. This type of loan provides upfront capital based on the value of future contract payments, offering businesses the funds needed to complete projects and expand operations. It’s an excellent option for businesses with confirmed contracts but requiring immediate cash flow to meet obligations. The reliability of the contract revenue reduces lender risk, potentially leading to better loan terms. Secure the funds necessary to fulfill your contracts and drive business growth with contract backed loans. Learn more

Purchase Order Financing
Purchase order financing from LVRG Business Funding provides businesses with the funds needed to pay suppliers for goods required to fulfill customer orders. This type of financing ensures that you can meet large orders without the upfront capital, supporting smooth operations and customer satisfaction. The lender pays the supplier directly, and once the goods are delivered and payment is received from the customer, the advance is repaid. This financing option is ideal for businesses experiencing rapid growth or large order volumes, as it helps manage cash flow and maintain inventory levels. Grow your business confidently with purchase order financing.

Accounts Receivable Financing (Factoring)
Accounts receivable financing, also known as factoring, from LVRG Business Funding involves selling your outstanding invoices to a lender for immediate cash. This type of financing improves cash flow by converting receivables into working capital, allowing you to cover operational expenses and invest in growth opportunities. The lender advances a percentage of the invoice value upfront and collects payment directly from your customers. Once the invoice is paid, you receive the remaining balance minus a fee. Factoring is an excellent solution for businesses facing slow-paying clients, as it provides immediate funds to maintain stability. Enhance your cash flow with accounts receivable financing. Learn more

Government Contract Financing
Government contract financing from LVRG Business Funding provides businesses with the funds needed to fulfill government contracts. This type of financing ensures that you can cover costs associated with government projects, such as labor, materials, and overhead, without straining cash flow. The reliability of government contracts makes this a secure financing option, often with favorable terms. It helps businesses manage the extended payment cycles typical of government work and maintain operational stability. By leveraging government contract financing, you can confidently pursue and complete government projects, driving growth and reputation. Secure the capital necessary for your government contracts.

Asset Based Lending
Asset based lending from LVRG Business Funding provides loans secured by a business's assets, such as inventory, equipment, or accounts receivable. This type of financing offers flexibility and accessibility, especially for businesses with substantial assets but limited credit history. The loan amount is based on the value of the collateral, providing a reliable funding source for various financial needs, including working capital, expansion, and debt refinancing. Asset based lending can be structured as revolving lines of credit or term loans, offering tailored solutions to meet your specific requirements. Unlock the value of your assets and secure essential funding with asset based lending. Learn more.

Metro Detroit Business Loans
Metro Detroit business loans from LVRG Business Funding provide tailored financial solutions to support the diverse and dynamic businesses within the Detroit metropolitan area. Whether you need funds for expansion, equipment purchases, or working capital, our loans offer flexible terms and competitive rates. With a deep understanding of the local market, we ensure you have access to the resources necessary to thrive in this vibrant economic hub. Secure the financial support tailored to your business's success in Metro Detroit. Learn more

Michigan Business Loans
Michigan business loans from LVRG Business Funding are designed to support the growth and stability of businesses across the state. Our loans offer a variety of financing options, including term loans, lines of credit, and specialized funding solutions tailored to Michigan’s diverse economic landscape. Whether you operate in manufacturing, technology, agriculture, or service industries, our loans provide the capital needed for expansion, innovation, and operational efficiency. Empower your business with the financial tools necessary to succeed in the Great Lakes State.