FUNDING SOLUTION
Your Credit Score Doesn't Define Your Business
Past credit challenges shouldn't stand between you and the capital your business needs. We look at the full picture: your revenue, your bank activity, and your business potential, not just a number.
Soft credit pull, won't affect your score. No obligation.
Loan Amounts
$10,000 – $250,000
Terms
3 – 18 months
Approval Speed
4 – 8 hours
Credit Requirement
All credit profiles considered
OVERVIEW
Business Funding Across the Credit Spectrum
Traditional banks turn away business owners with less-than-perfect credit every day. A late payment from years ago, a personal financial setback, or a limited credit history can be enough to get your application denied, even when the business itself is healthy.
At Monera Capital, we take a different approach. While we do consider credit as part of our review, it's never the sole deciding factor. We focus on what matters most: how your business is performing right now. If you have steady revenue, consistent bank activity, and a business that's generating income, there's a good chance we can help, regardless of what your credit report says.
Credit affects the rate you're offered, so it helps to know how pricing is built. Our guide to how business funding costs work explains what drives your rate, the fees to watch for, and how to compare offers.
How It Works
Apply Without Worry
Our simple application takes just a few minutes. We use a soft credit pull that won't affect your credit score.
We Look at the Full Picture
Our team reviews your business revenue, bank statements, and overall performance, not just your credit score. Most decisions come within 4 to 8 hours.
Get Funded Fast
Once approved, funds are deposited into your business bank account, typically within one to two business days.
Why Business Owners Choose Monera Capital
Credit Score Is Not a Dealbreaker
We work with business owners across the entire credit spectrum. Low scores, limited history, past setbacks: we've seen it all and funded through it all.
Soft Credit Pull Only
Our initial review uses a soft credit inquiry that has zero impact on your credit score. Apply with confidence.
Revenue-Focused Approval
We weigh your business performance, including monthly revenue, bank deposits, and time in business, far more heavily than a credit report.
Fast, Judgment-Free Process
No lectures about your credit history. No hoops to jump through. Just a straightforward process designed to get you funded quickly.
How Business Owners Use This Funding
Rebuilding While Growing
Invest in your business while simultaneously rebuilding your credit profile over time.
Covering Operational Costs
Keep up with rent, utilities, insurance, and supplier payments without interruption.
Inventory & Supplies
Stock up for busy periods or take advantage of time-sensitive supplier deals.
Payroll Gaps
Ensure your team gets paid on time, even when cash flow is temporarily tight.
Emergency Expenses
Handle urgent repairs, replacements, or unexpected costs that can't wait.
Opportunity Capture
Move fast on a new contract, expansion, or revenue opportunity that requires upfront capital.
Eligibility Requirements
Our requirements are designed to be accessible. We focus on your business fundamentals rather than your credit history alone. If your business is generating revenue, we want to hear from you.
- 6+ months in business
- $10,000+ in monthly revenue
- Active U.S. business bank account
- Valid government-issued ID
- Last 3–6 months of bank statements
- All credit scores considered, no minimum
Been turned down elsewhere? That doesn't mean we'll turn you down. Many of the businesses we fund have been declined by traditional lenders.
Every document you need, in one checklist
A free printable checklist of the documents most applications ask for, with the application form included, so you can gather everything before you apply.
Get the free checklist
Tell us where to send it. No obligation.
Explore Other Funding Options
Depending on your situation, one of these products might also be a good fit.
Revenue-Based Financing
Flexible repayment that adjusts with your monthly revenue. No fixed payment schedule.
Working Capital Loans
Fast, short-term funding for everyday business operations and expenses.
AR Factoring
Approval based on your customers' credit, not yours. Turn invoices into immediate cash.
Industries We Commonly Fund
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Bad Credit Business Loan FAQs
Can I qualify with bad credit?
Yes. We work with business owners across the entire credit spectrum, there's no minimum credit score, and we weigh your business revenue and performance far more heavily than a credit report.
Will applying hurt my credit score?
No. Our initial review uses a soft credit pull that has zero impact on your credit score, so you can apply with confidence.
How much can I borrow?
Bad credit business loans range from $10,000 to $250,000, with terms from 3 to 18 months.
How fast can I get funded?
Most decisions come within 4 to 8 hours, with funds typically deposited into your business bank account within one to two business days.
What do I need to qualify?
You'll need at least 6 months in business, $10,000 or more in monthly revenue, an active U.S. business bank account, a valid government-issued ID, and the last 3 to 6 months of bank statements. All credit scores are considered, no minimum.