Best Business Loans With No Credit Check (2026)

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It can be difficult to qualify for business funding even with a good credit score. So, if your credit isn’t ideal, you might wonder if it’s even possible to get a business loan.

Fortunately, some lenders may not require credit checks at all, or may only require a soft pull, which won’t impact your score. However, these types of funding can be more expensive than more traditional loans, and you’ll be more likely to find them online rather than at a conventional bank.

For example, a 2025 study by the Federal Reserve found that only 45% of applicants in the medium-to-high credit-risk range were approved for business funding at large banks. But that number jumped to 72% approval when the same credit-risk group applied with online lenders.

6 best business loans with no credit check

Compare these top lenders that offer no-credit-check business loans.

• Best for no-interest microloans: Kiva business loans
• Best for invoice factoring: FundThrough Invoice Factoring and Financing
• Best for Square users: Square Capital business loans
• Best for PayPal users: PayPal Working Capital loans
• Best for gig workers and microbusinesses: Giggle Finance
• Best for comparing no-credit-check business loans: Clarify Capital

Methodology: How we chose these lenders

Our lending experts analyze dozens of business loan providers to narrow down the best options for no-credit-check business loans or loans with low credit requirements. We weigh lenders against these key metrics:

• Application process
• Rates
• Credit score minimums
• Customer service reviews
• Eligibility requirements
• Extra features or services
• Fees
• Funding turnaround times
• Lender reputation
• Minimum and maximum loan amounts
• Products offered

Who are no-credit-check business loans best for?

No-credit-check business loans aren’t always a good idea. For one thing, they are often some of the most expensive forms of business financing. And some of these loan types just don’t make sense for all businesses.

Consider a no-credit-check business loan if you need fast, short-term financing, can manage the rigorous repayment schedules or don’t qualify for more traditional business loans.

Pros and cons of no-credit-check business loans

It’s important to consider both the risks and rewards of business loans with no credit check.

How to qualify for a business loan with no credit check

Other than the credit score requirements, eligibility is usually similar to that of traditional lenders. Lenders usually want to see that you:

• Have been in business for at least six months
• Meet minimum monthly or annual revenues, which vary by lender and loan type
• Have a business bank account — and can produce a few months of recent bank statements

Some lenders may have additional requirements, such as a soft credit check — which won’t impact your credit score — or that you’re a US-based business. You may also have to provide a business plan or other financial documents in some cases.

How to apply for a no-credit-check business loan

Follow these five steps to find and apply for business loans with no credit check:

1. Calculate how much you need. Define how much you want to borrow so you can look for lenders and loan types that offer the amount you need.
2. Explore your options. Look around for lenders that offer the loan amount you need and compare loan types to see which fits your business situation best.
3. Compare lenders. Research multiple lenders that offer your desired loan amount and type to compare rates, terms and other details. You may need to make a few calls because you probably won’t find all the information you need on lender websites.
4. Prequalify. Some no-credit-check business lenders may not offer prequalifications, but if you can, it’s a good way to get an idea of the rates and terms you may qualify for. However, lenders that prequalify typically do a soft credit pull.
5. Apply. Once you’ve decided which way you want to go, follow the steps to apply. The application process typically happens online, and you should have the option to talk to a loan representative along the way. Review the rates and terms before committing.

Alternatives to business loans with no credit check

If a no-credit-check business loan isn’t the right fit for your business, consider alternative types of funding that may not require credit checks or have low credit score requirements.

• Equity investors. Some investors loan you money or give it to you outright in exchange for a percentage of your business. These investors probably won’t check your credit, but they get a stake in your business.
• Small business grants. Grants can be hard to qualify for, and they’re very competitive, but if you have an opportunity for free money, go for it.
• Microloans. Small-dollar loan amounts — aka microloans — are often provided by nonprofit, local organizations like community development financial institutions (CDFIs), to businesses in underserved areas. These lenders typically check your credit, but the credit requirements are usually much more forgiving.

Bottom line

It can be more difficult to find business loans that don’t require a credit check, but you do have options. Consider merchant cash advances, invoice financing or factoring or equipment loans that may not require a credit check or have low credit score requirements.

Frequently asked questions

• Can I get a startup business loan with no credit check?

  It's possible but not very likely. Most startup-friendly loans rely on the business owner's credit to make up for the business's short revenue record.

  However, you might be able to get a microloan backed by the Small Business Administration — which has more lenient credit requirements — if you're opening a business in an underserved area. But those lenders still check your credit.

• Can I get a traditional business loan with bad credit?

  You can, though your options are limited if your credit score is below 580. Consider looking into a secured business loan, which has a better chance of approval and offers more favorable rates and terms than you might otherwise be eligible for.

• Can I get a same-day business loan with no credit check?

  Loans with no credit checks often boast fast funding times, so it's possible you could get funding as soon as the same day you apply. More realistically, however, you may get the funding on the next business day or within a few days.