A low score narrows your options, but it rarely closes the door — especially if your revenue is healthy.
The short version
- ✓Revenue-based options often matter more than your score.
- ✓Expect higher costs — compare total payback, not just rate.
- ✓Use the funding to rebuild credit for better terms later.
Where to look
- Revenue-based financing and lines that underwrite on cash flow.
- Equipment financing, where the asset secures the loan.
- Microloans and CDFIs built for thinner or rebuilding credit.
Protect yourself
When credit is weak, costs rise — so compare the total payback amount across offers, not headline rates, and watch for predatory terms.
Play the long game
Use approved funding responsibly to build a track record. Every on-time payment moves you toward the cheaper options you actually want.
QF
Written by the Qualify Finance Team
We help small business owners understand funding options, strengthen their profile, and get matched to the right lender — across every credit profile.