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Small amount loans bad credit ******* Bad Credit? Where to Find Small-Business Loans Bad credit, defined by FICO as a score of 300 to 629, is a common reason that lenders reject small-business loan applications. Borrowers with a poor credit score are considered at higher risk of defaulting on a loan. Still, even with bad credit, you have financing options. Bad credit business loans: Summary of options Line of credit • No minimum credit score • 3+ months in business • $50,000+ annual revenue • 550+ credit score • 1+ year in business • $200,000+ annual revenue • 560+ credit score • 1+ year in business • $50,000+ annual revenue • 600+ credit score • 1+ year in business • $75,000+ annual revenue Line of credit • 600+ credit score • 6+ months in business • $100,000+ annual revenue Invoice financing • No minimum credit score • 6+ months activity in online accounting or bookkeeping software • No minimum annual revenue Invoice factoring • 530+ credit score ...