FINANCE OPTIONS

Compare ^Bad ^Credit ^Business ^Loan Options Up To £850k

Q: What is the minimum and maximum borrowing amount?

You can apply for amounts from £5,000 to £1,000,000 with a bad credit business loan. The amount a lender offers will depend on factors such as your collateral, business revenue, and the overall risk assessment.

Q: How long does approval and funding take?

Depending on the loan type, initial decisions usually take between 3 days and 4 weeks. Once approved, funds are typically transferred to your account within 1 to 5 days. The process moves faster if you provide accurate documentation and respond promptly to lender requests.

Q: What affects the interest rate I’ll pay?

Interest rates on bad credit business loans range from 6% to 30%. Your rate depends on your business’s credit score, any collateral available, the loan size, and the lender’s risk assessment. There may also be arrangement or early repayment fees.

Q: What types of bad credit business loans are available?

Common types include secured business loans (using assets as collateral), unsecured loans (based on revenue without security), and invoice financing (advancing funds against outstanding invoices). Each option has different eligibility criteria and amounts.

An £850,000 bad credit business loan can help UK businesses with a poor credit history access essential funding. Even if you’ve faced financial challenges, these loans are designed to provide opportunities for operational stability and growth. Businesses choose this option to manage cash flow gaps, invest in improvements, or refinance existing debt. While interest rates are typically higher due to risk, securing the right loan can also help rebuild business credit and improve your financial standing over time.

Bad Credit Business Loan

Secure up to £1,000,000 in Bad Credit Business Loan with Funding Agent.

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Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of a Bad Credit Business Loan

Accessing a bad credit business loan offers more than just funding. It allows businesses facing credit challenges to maintain operations, bolster their credit profiles, and pursue growth opportunities. Funding Agent helps you navigate rates and timescales, making the right product easier to find for your situation.

Eases Cash Flow

Improves Credit

Enables Growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Bad Credit Business Loans Available

Secured Business Loan

Secured business loans allow you to borrow £50,000 to £1,000,000 using assets like property or equipment as collateral. Typical terms range from 12 to 60 months.

Secured Business Loan

To access a secured business loan, your business will need to provide collateral, which reduces lender risk and may lower interest rates (6% to 20%). Application involves submitting details about your assets, followed by a valuation and risk assessment. Decision time is usually between 2 to 4 weeks. Sectors such as retail, manufacturing, and construction often benefit from this option for larger investments or refinancing needs.

Unsecured Business Loan

Unsecured loans are available for amounts from £5,000 up to £250,000. Businesses with steady revenues but poor credit can secure funds without collateral, often within 3 to 7 days.

Unsecured Business Loan

Applicants provide financial statements and undergo a credit check. Suitable for working capital, marketing, or smaller equipment purchases, unsecured loans carry higher interest rates (15% to 30%) due to increased risk. Ideal for service industries or startups that lack substantial physical assets but need fast access to capital.

Invoice Financing

Invoice financing offers up to 90% of your invoice value, helping you boost cash flow quickly. Terms usually last from 1 to 3 months per invoice.

Invoice Financing

Businesses submit outstanding invoices to a finance provider, who advances funds within 24 to 72 hours. Repayment is settled as customers pay their invoices. Fees range from 1% to 5% of the invoice value monthly, making it suitable for companies in logistics, wholesale, or transportation where lengthy invoice cycles can impact operations.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How To Get A Bad Credit Loan With Funding Agent

Check Eligibility

Assess your business’s funding requirements, including any assets for secured loan options, before starting the online application form process.

Compare Options

Quickly review and compare loan offers, including rates and terms, from a wide range of lenders tailored to your business situation.

Apply Online

Submit your application and supporting documents through Funding Agent’s secure portal for a streamlined process direct to lenders.

Compare Bad Credit Loan Options

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

What is the minimum and maximum borrowing amount?

How long does approval and funding take?

What affects the interest rate I’ll pay?

What types of bad credit business loans are available?

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February 26, 2026

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Compare ^Bad ^Credit ^Business ^Loan Options Up To £850k

Key ^Benefits of a Bad Credit Business Loan

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Bad Credit Business Loans Available

Secured Business Loan

Secured Business Loan

Unsecured Business Loan

Unsecured Business Loan

Invoice Financing

Invoice Financing

Typical Funding Journeys on Funding Agent