I have bad credit or a past bankruptcy — can I still get funding?

Yes, in many cases. Our main requirements are 3+ months in business and $5,000+ in monthly revenue. Many of our lenders focus on your revenue and bank activity more than your credit score.

What can I use the funding for?

Any legitimate business purpose: payroll, renovations, inventory, expansion, equipment, marketing, refinancing and more.

What are the minimum requirements?

3+ months in business, $5,000+ in monthly revenue, and a US-based business.

No. We're a broker — we match you with the best-fit lenders in our network, so one application can reach many lenders.

How long does the process take?

The application takes about 5 minutes. With full documents, most clients receive an offer within 24 hours.

Does applying affect my credit?

Checking your options does not impact your credit score.

Business Funding & Commercial Financing

When the bank says no, we get you funded.

We match small and mid-sized businesses with the right funding from our lender network — from $10K in working capital to multi-million dollar real estate deals. One application, many options.

Get pre-qualified Browse funding programs

Offers in as little as 24 hrs
·
All credit profiles considered
·
No-obligation review

Modern commercial office building at sunset — Commercial Real Estate

01 / Commercial Real Estate02 / Equipment03 / Main Street Business

SBA LOANSWORKING CAPITALEQUIPMENT FINANCINGLINES OF CREDITINVOICE FACTORINGFIX & FLIPCOMMERCIAL REAL ESTATETERM LOANSSBA LOANSWORKING CAPITALEQUIPMENT FINANCINGLINES OF CREDITINVOICE FACTORINGFIX & FLIPCOMMERCIAL REAL ESTATETERM LOANS

What we fund

Four ways to fuel your next move.

Whatever you're building, there's a program for it. Explore by category or apply once and we'll recommend the best fit.

Working Capital

Fast cash, lines of credit up to $3M and invoice factoring.

3 programs · $10K – $3M

Explore programs →02

Equipment & Asset-Based

Trucks, machines and tools — the equipment is the collateral.

1 program · $10K – $5M

Explore programs →03

Term & SBA Loans

SBA 7(a), 504, Express and long-term loans.

1 program · $50K – $5M

Explore programs →04

Real Estate & Investors

Fix & flip, rental properties, and commercial property.

1 program · $100K – $10M+

Explore programs →

50+

Lender partners

$5M

Max funding

Hours to offer

Funding programs

How it works

From application to funded in four steps.

01
Apply in 5 minutes
Answer a few questions about your business. No hard credit pull to check options.
02
We shop our lender network
Your file goes to the lenders most likely to approve it — not just one bank.
03
Review clear offers
Compare amounts, terms and total cost side by side with your specialist.
04
Get funded
Accept the offer that fits. Many clients are funded within 24–48 hours.

Why BizFinance

One bank gives you one answer. We bring you options.

Bad credit and past bankruptcy considered
Funds for any legitimate business purpose
A “no” from one lender means we try the next
One dedicated specialist from application to funding

Get pre-qualified

Trucking company owner in front of his semi at sunset

Industries

Built for the businesses that build America.

Construction & contractors Trucking & transportation Restaurants Beauty salons & spas Healthcare & dental clinics Retail Auto repair Manufacturing Real estate investors Professional services E-commerce Franchises

Transparency

How we're paid.

We're a broker, not a lender. You'll never pay us anything to apply or compare offers.

No upfront fees

It costs nothing to apply, get matched or review offers.

Total cost, up front

Every offer shows the full cost so you can compare before you accept.

Terms flagged

We point out prepayment terms and anything unusual on each offer.

No obligation

Don't like the offers? Walk away. Checking options doesn't affect your credit.

FAQ

Questions, answered.

See all FAQs →

Free · No obligation · 5 minutes

Ready to grow? Let's find your ideal funding.

(206) 845-2238 Get pre-qualified