Business Funding at 0% with guaranteed approval, bad credit ok, start ups ok

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    • Women-Owned Business
    • No business plan needed business funding >
      • FreeBookBusinessLoans
    • Instant cash for realestate owners
    • 100kLineOfCredit >
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  • Guaranteed Business Funding Approval
  • AdamMoney
  • Previous Default Business Funding
  • Start up business funding no credit needed
  • Apply
    • Unsecured Small Business Loans
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      • Alternative Business Loans
      • BusinessFundingForDeadbeats
      • Small Business Funding >
        • SBA loans apply online
        • Asset Based Funding
        • Merchant Cash Advance
        • Business Cash Advance
        • Equipment Leasing
        • Sell Lease Option Funding
        • Factor Funding
      • Why Choose Us
      • Funding Options >
        • Groups We Serve >
          • Fresh Start Business
          • Veteran-Owned Business
    • PDF application for funding
    • Flex Lease
    • No business plan needed loans >
      • American Relief Funding
    • Sell and stay Leaseback >
      • Sell your realestate to us now
    • Adsense funding, website sales
    • Terms and Conditions >
      • Privacy Poicy
  • Apply online
    • Business Cash Advance on future sales
  • Owners circle 0% Zero Cost Business Funding
  • Apply online now
  • Working Capital Loan
  • Fast Small Business Loans
  • SBA Business Loans
  • No Collateral Business Loans
  • Secured Business Loans
  • Small Business Lending
  • Business Purchase Funding
  • YouTube Channel
    • See us on Fox 5 San Diego
    • See us on ABC news in Nashville
    • FAQ & Support >
      • Blogs >
        • Success Stories
        • Contact Us >
          • Loan & Finance Brokers
          • ISO Partner Program
        • Secrets to get funding for your business. >
          • Blog Feed
        • Business Funding Blog
        • Free advertsing for restaurants
        • Evil Banker Horror Stories
  • Buy our books
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      • Restaurant >
        • Food Truck Business Loan
        • Restaurant Financing
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        • Bicycle Shop Financing
        • Grocery Store Business Loans
        • Gun Shop Financing
        • Construction Business Loans
        • Liquor Store Financing
        • Pet Store Loans
      • Service >
        • Automotive Business Loans
        • Hotel Motel Financing
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        • Owneres circle 0% business funding
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        • Fitness Center Business Loans
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      • Book reviews , business funding for deadbeats
    • Lazy guyy business funding hacks >
      • Synagogue Loans >
        • Affiliate Marketing
    • Win chargebacks and open merchant accounts easily
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    • See us in TodayInBanking.com
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Poor Credit Business Loans

Poor credit business loans are becoming more popular especially in the last five years. Guaranteed Business Funding specializes in teaming up with alternative business lenders that provide funding for those small business owners with poor credit. When you partner with us, Smallbusinessfunding.com, we go to work for the small business owner with poor credit or bad credit. If you’re a small business owner with poor credit trying to find additional capital a low FICO score should not be the determining factor of whether or not you should be approved for a loan. Traditional banks will decline you for a loan if your credit score is below 700.
Underwriting Poor Credit Business Loans

Poor credit business loans should be underwritten based on business performance, the industry you are in, cash flow, daily bank balances, and the overall experience of the business owner. While a low credit score may reduce the term of the loan or the payback amount it is not a deal breaker. Our lending partners will look at all the factors above first and a bad or poor credit score last. The most important aspects that will determine approval of a loan is the ability to repay the loan.

Why Using Guaranteed Business Funding For Poor Credit Business Loans Makes Sense

Poor credit business loans are vital to our economy and necessary for small businesses to grow. Past personal situations like divorce can drag a credit score down considerably. Why should that impede your ability to get a loan? Guaranteed business Funding finds loans for small business owners with bad credit helping them to grow and provide work for their employees. Small Businesses with less than 20 employees make up over 90% of all small businesses in the country. That is a statistic we are proud of at smallbusinessfunding.com and one that we support. Our network of alternative lenders works closely with us and understands the needs of poor credit small business loans. Regardless of your credit score there is always a possibility of finding capital and it costs nothing to try. There are all kinds of lenders that can finance your business either through a merchant cash advance, an unsecured loan against receivables, a factor or even an asset based loan. We specialize in helping small business owners with poor credit receive unsecured capital.

Improving Your Chances of Securing Poor Credit Business Loans

Alternative lenders will base their approvals on the following items below. Follow our recommendations to give yourself the best chance to secure poor credit business loans.
Time In Business – While you can’t control this characteristic, lenders tend to want a longer time in business. Those with only 1 year or less of revenue history can get approved but all other items below have to be favorable.
Number of Deposits per Month – the more deposits you show per month the better. Transfers into the account from other accounts do not count. More than 12 deposits per month of at least $500 are best.
Average Daily Balances – less than 3 negative ending balance per month; none is best. Average daily balances of $1000 is required by most lenders
Monthly Revenues – Must show no less than $8000 per month in gross revenue (not profit). This doesn’t mean an average, this means nothing under $8000 per month.
NSF’s – No more than 3 per month.
Seasonality – Some businesses have seasonality. If yours does you still have to show more than $8000 in revenue for each month. Showing $100,000 for 6 months straight then showing $0 is no good (this is obviously out of your control).
FICO Score – Try and maintain a good understanding of your personal credit score. 500 and above will give you the best chance for funding.
current Loans – Alternative lenders do not care about traditional loans so don’t worry if you have a current bank loan. If you have an advance that you pay each week day then your chances of getting funded decrease. Some lenders will fund in addition and take a second position but your terms will be very costly. Try to avoid this.
Sole Proprietorship – Alternative lenders tend to shy away from this type of entity. Set up a single member LLC.
Home Based – lenders prefer to fund a business that is not home based. If possible, find your self an office; not a virtual office.
Judgments/Liens – Try and clean up any judgments and liens you may have. If you have a lien, you must have documentation showing that you are on a payment plan.

​To see how much capital your company can receive, apply for a small business working capital advance and get your funding within days
.

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Fill out the online form and get the money you need today.

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