Poor credit makes it challenging to obtain a loan from a financial institution. A business loan with bad credit may still be possible. Most online lenders require a credit score of 500-650 to qualify for a business loan. Even though getting a business loan with less-than-perfect credit is more complicated, there are still options for those with good credit. Look for lenders who aren’t affiliated with traditional banks if you have a bad credit rating. Bad credit small business loans are usually available to small business owners with less-than-perfect credit from alternative lenders.