Empowering Businesses, Regardless of Credit Score

At Sterling Street Financial, we believe in the potential of every business, even if they’ve faced financial challenges in the past. Our mission is to provide alternative financing solutions tailored to your unique needs.

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Both secured and unsecured loans with no personal guarantee.

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Choose what best suits you and your company’s needs.

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Funds in as little as 24 hours, directly to your account.

Understanding Bad Credit Business Loans

Jack P.

Funding Advisor

While traditional lenders might shy away from businesses with less-than-stellar credit scores, we recognize that many factors can impact a credit rating. Our bad credit business loans are designed to support businesses in their growth journey, ensuring they have the funds they need without overburdening them.

Swift Application Process

Diverse Loan Options

Flexible Terms

Quick Funding

About Bad Credit Business Loans

Typically, a credit score below 600 is considered challenging. However, we evaluate businesses on multiple factors, not just credit score.

While a stellar credit score might open doors to traditional loans, it’s not the only game in town. Bad Credit Business Loans look beyond credit, focusing on your business’s cash flow and sales. Options might include advances based on your merchant sales, financing against your invoices, or loans based on your revenue.

Accessibility is the keyword. If your business has a steady cash flow, these loans can be within reach. They’re not just about getting funds; they can be a strategy to consolidate debts and even give your credit score a boost.

Every coin has two sides. Due to the risk lenders associate with lower credit scores, these loans might have higher interest rates and shorter repayment terms. It’s all about finding the right fit for your business’s financial rhythm.

Typically, lenders look for:

  • Annual revenue north of $240K.
  • A credit score hovering around 475 or more.
  • A business history of at least half a year.
  1. Pinpointing the loan that suits your needs.
  2. Pulling together key documents like bank and credit card statements.
  3. Filling out the application.
  4. Having a chat with a loan expert.
  5. Awaiting the green light, which, for some loans, can be pretty swift.

Timely repayments can work wonders for your business credit score, setting you up for even better financial opportunities down the line.

Not to worry. There are other paths to explore, from business credit cards and personal loans to credit unions. And if your credit score is the stumbling block, consider services that specialize in credit repair.

Certainly! If you’ve got a proven sales record, are gearing up for a busy season, or expect your inventory to fly off the shelves, this loan can be a great fit.

It’s more than just a loan. It’s an opportunity to grow, invest, manage day-to-day expenses, sail through slow periods, or bring other debts under one roof. Especially if credit has been a challenge, but your business metrics are solid.

Steps to Secure Business Funding with Sterling Street Financial

1. Submit Your Online Application

Use our user-friendly platform to quickly request funding. Assistance is just a call, chat, or email away.

2. Talk to Our Experts

Our seasoned experts are ready to guide you through every step, ensuring you are armed with all the necessary information.

3. Get Funded!

After approval, funds are swiftly deposited into your account to boost your business growth.

Online Application

Ready to grow your business to new heights?