Bad Credit Business Loans

The funding you need, when you need it, paid back when your customers pay you. No APR, just one fixed cost from as little as 9%.

A poor business credit score shouldn’t hold you back from growing your business

If you’ve got a bad credit history you may find it difficult to get a conventional Company Loan. It’s an unfortunate fact that traditional lenders like banks will consider you too much of a risk to part with their money. A county court judgement (CCJ), late credit card repayments, or non-payment of any loans are just some of the things that will give you a poor rating. Even if you’ve got a successful business that’s doing really well, it’s not always likely you’ll be able to secure the funds you need.

Small business loans for businesses with bad credit

If you’ve been denied a loan for your business don’t worry, there are other options available. Now, more than ever before, many other Small Business funders will lend money to business owners with a less than perfect credit history.

The choice is no longer just ‘bad credit business loans’ either; there are a wide range of Alternative Business Funding options now available. These funders use modern underwriting techniques to form decisions based on how your business is doing today, right now, not just your credit history. They combine innovative technology and information models utilising softer data, better known as big data, to vet potential customers. Assessing a business’s industry reputation, customer reviews, ratings and social media footprint can provide a more truthful picture of its risk.

And that’s how we at Liberis look at things. We offer small business funding based on our businesses future credit and debit card sales. We’re more interested in your business and its monthly sales than your credit score.

Business cash advance – a solution for bad credit

Been turned down in the past because of bad credit? Then a Business Cash Advance could be just the solution for your business. It’s very effective finance, particularly for micro and small businesses who need easy access to working capital, as well as those who need it for growth.

How it works

A business cash advance is an Advance Of Cash based on future credit and debit card sales and is repaid via pre-agreed percentage of your business card transactions.

Because payback is directly linked to card takings, it only happens when your business earns. And unlike many other forms of funding, company or personal assets aren’t required.

What’s more, if the cash advance takes longer to pay off, the originally agreed repayment cost remains the same. No penalties or fees are added, because there’s no such thing as late payment. Check Your Eligibility now.

Don’t let bad credit history hold you or your business back. A Liberis business cash advance could be a safe solution, as we are also supported by the UK Government.

The Liberis Business Cash Advance - Designed to help SMEs
  • Funding from £2.5k to £300k
  • One fixed cost; no APR, varying terms or penalty fees
  • A quick, easy and no hassle onboarding process
  • Higher approval rates than the banks
  • Flexible and painless repayments that support cash flow
  • 80% of customers use us again
Get Approved Online In Under 5 Minutes

Get an obligation free quote and find out if you're approved online before you apply, all without impacting your credit score. It's easy!

  • We have much higher approval rates than the banks
  • You'll get a fast decision, which is usually a yes!
  • Get a price that's fair, based on the profile of your business
Get approved now

Supported by the UK Government

GOV.UK
Credit Awards 2018 logo
Commercial Finance
Hiscoxs Tec Track 2018
Founding member
The Association of Alternative Business Finance
Affiliate member
BFA Affiliate
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Registered in England and Wales No: 5654231. Address: Third Floor, Glen House, Glenthorne Road, London, W6 0NG
Liberis is a responsible financial provider. Liberis does not offer 'short-term loans'. The minimum expected duration of a Business Cash Advance is 120 days / 4 months and typical expected durations are 6-12 months. These business financing products are not consumer loans.