Business Loans for Poor Credit History
If your credit history has a few scars, you can still have options — but you need to apply the right way.
This page is for when you’ve had late payments, defaults, or a tough period and want to know what matters now.
100% free · No credit score impact
🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
What lenders usually mean by “poor credit history”
Missed or late repayments
Defaults, collections, or payment plans
Multiple recent enquiries
Past issues that still appear on file
What to do before you apply (low-risk next step)
Don’t lodge multiple applications (enquiries can stack up)
Be ready to explain what happened and what changed
Expect lenders to review at least 6 months of business bank statements
How CASEY helps
CASEY helps you avoid wasted enquiries by matching your situation to lenders that are actually comfortable with your profile — and positioning the application clearly.
Want the full “bad credit” roadmap?
This page is intentionally narrow. For the complete guide, go here:
Bad Credit Business Loans →
Frequently asked questions
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Sometimes — it depends on recency, severity, and whether repayments look affordable today.
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Not always. Patterns and recency usually matter more than one event.
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No. Many weigh bank-statement performance heavily.
Important note: Outcomes depend on lender assessment and your circumstances.