Running a business is tough, especially when your credit score isn’t perfect. At Capex Direct, we make it easy for small business owners to access fast, reliable business loans, even with bad or poor credit.
Even if traditional banks have turned you down, we help you get funded quickly and hassle-free.
No minimum credit score required
Fast approval and funding (within 24–72 hours)
All industries accepted – retail, trucking, restaurants, salons & more
Flexible repayment terms
Fill out our short, secure business loan form.
Receive loan offers tailored to your business goals.
Funds are deposited into your business account within 1–3 days.
Convenient automatic payments via ACH withdrawal.
Apply now and get pre-approved in minutes — no impact on your credit score
Even with bad or poor credit, you can still qualify. Here’s what you’ll need:
No collateral required. Fast, fair, and transparent funding.
We understand that every business has unique financial needs. That’s why we offer flexible loan solutions even for those with bad or low credit.
Working Capital Loans
Cover day-to-day expenses
24–48 hours
Business Term Loans
Long-term financing
2–3 days
Merchant Cash Advance (MCA)
Fast funding based on sales
24 hours
Business Line of Credit
Flexible cash access anytime
24–72 hours
Equipment Financing
Buy or lease equipment
2–4 days
SBA Loans
Government-backed programs
Up to 7 days
Don’t let bad credit stop your business growth.
Apply online today and get approved within 24–48 hours.
Yes! Many business loan programs approve based on revenue and cash flow rather than credit score, making funding possible even with bad credit.
No! CapEx Direct does not require a minimum credit score for many loan options.
Most businesses receive approval within 24–48 hours and funding within 1–3 business days.
Many bad credit loan options are unsecured, meaning no collateral is required.
Pre-qualification does not impact your credit score. Some final approvals may involve a soft or hard inquiry, depending on the lender.
