Best Bad Credit Business Loans in October 2025
Having a FICO credit score under 630 can make finding business loans difficult — but it’s not impossible. Find our favorite bad credit business loans below.
Thomas Brock, CFA, CPA, is an accomplished financial professional with over 20 years of experience in investments, corporate finance, accounting and financial consulting.
His investment experience includes oversight of a $4 billion portfolio for an insurance group. Varied finance work includes the development of multiyear financial forecasts and KPI dashboards, credit analyses and the evaluation of capital budgeting proposals.
Earlier in his career, Thomas managed various accounting and financial planning functions and led many transformational initiatives, including a general ledger conversion, a financial reporting system implementation, the establishment of a centralized procurement office and the execution of due diligence reviews and integrations for several multi-million-dollar merger and acquisition deals.
In a consulting capacity, he has assisted individuals and businesses of all sizes with accounting, budgeting, financial planning and investing matters. He has also lent his financial expertise to a several well-known websites and tutored students via a few virtual forums.
Thomas holds a Master of Business Administration from Franklin University and a Bachelor of Science in business administration from Bowling Green State University. He is a chartered financial analyst charterholder and a certified public accountant.
Having a FICO credit score under 630 can make finding business loans difficult — but it’s not impossible. Find our favorite bad credit business loans below.
Business lines of credit provide flexible funding to aid cash flow and capital. Find our top picks here.
Working capital loans can help cover a variety of short-term business needs. Check out our guide on the best working capital loans to learn more.
Running a trucking business is expensive. A business loan can help you preserve your cash. Check out our picks for the best semi-truck loans.
A money market account is like a parking spot for cash, but with a few guardrails.
Discover, though known for its credit cards, also offers a range of personal loans with flexible repayment terms, no processing fees and low APRs.
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