Can I Get a Business Loan With Bad Credit?

Yes, at Cubefunder, we don’t make decisions simply based on arbitrary scores. We will look at your business as a whole before we make a lending decision. We will not instantly decline a loan solely based on a poor credit score.

If your business passes our affordability and loan criteria, we will be able to offer you the funding, even if you have a bad personal credit score.

We understand that a business may have its ups and downs and this may have had an adverse impact on your credit score. We will still consider applications from directors with poor credit so don’t let that stop you from applying for a business loan from Cubefunder.


What our Customers Say

Cubefunder was one of the only lenders that would lend us money because my credit rating was damaged trying to build the company over 10 years which is still running.Simon Llewellyn, The Sausage Revolution

Business Funding for any business purpose

Here is a list of common business purposes that we provide a loan for. This is not an exhaustive list, we will consider any valid business purpose including plugging cash flow gaps ahead of a rent or VAT quarter.



Rent and Business rates

Ease Cashflow

Expansion Opportunities

Marketing Campaigns

VAT and Tax payments

Any other business purpose

Simple Application Process

How can I get a business loan with bad credit?

3 Simple Steps

Apply online or give one of our team a call

We only require basic information to start like your company registration number, trading address and the number of directors.

Our team will reach out straight away

We will call you to get further information like your business bank statements to assess how much your business will be able to borrow

Book a meeting

One of our team members will visit you at your place of business so you can meet our team and so that we can better understand you and your business needs.

Frequently Asked Questions

Answers to the most frequently asked questions by our customers.:

Yes, Cubefunder will review your business for affordability and is still able to lend to a business even if you have a bad personal credit score.

Like most lenders, we will need to carry out a credit check before we are able to lend. We will only carry out a credit check with your explicit consent to do so.

Our process is the same for all applicants with poor credit. Simply apply via our online form to get started and we will be in touch to make sure we have everything to make a lending decision.

Yes, we offer unsecured business loans. We are able to offer faster lending decisions as we require less paperwork compared to a secured loan.

At Cubefunder, we usually only require your last 3 months bank statements to assess the affordability of your business.

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