Best Business Loan Brokers / Guides / Business loan brokers for bad credit
Guide · reviewed 11 November 2026
Business loan brokers for bad credit
Answer in brief
A broker can help if your business or its directors have poor credit, because some specialist and alternative lenders weigh recent trading more heavily than credit history. Expect higher rates, shorter terms or a request for security or a personal guarantee. Be honest about your history from the start so the broker approaches the right lenders.
What lenders look at
- Recent bank statements and cash flow
- Turnover and how long you've traded
- The size, age and cause of any missed payments or CCJs
- Whether there's an asset or invoices to lend against
Options that can work
- Asset finance, where the asset itself secures the deal
- Invoice finance, which lends against what customers owe you
- Revenue-based finance, repaid as a share of card or online sales
- Secured loans, with property or other assets as security
Be careful
Lenders that accept poor credit charge more to cover their risk. Compare the total amount repayable, not just the monthly cost, and avoid anyone asking for money upfront.
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