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Can my retail store get a quick business loan if I have bad credit?

Quick Answer: Yes, QuicLoans approves retail stores with credit scores as low as 450 based on revenue, not credit history.

Your credit score tells one story. Your bank deposits tell another, and that's the story QuicLoans is interested in. If your retail store is generating $10K+ monthly in revenue deposits and you've been operating for at least 3 months, bad credit won't stop you from getting funded.

How QuicLoans approves retail stores with bad credit:

  • Revenue over FICO: We focus on your last 4 months of bank statements. If you're making sales and depositing revenue, you're likely approvable.
  • 450+ credit score minimum: Significantly lower than the 680+ banks demand, we're comfortable working at this level because we lend to your business, not you personally.
  • No personal credit impact: We don't report to personal credit bureaus. Your business borrows, your credit report stays clean for mortgages, refinances, and car loans.

Seems like banks are only interested in helping perfect people and perfect businesses nowadays. What matters to QuicLoans is whether you're capable of making your payments. If your store is performing right now and deposits are consistent, we can help your business.

Many retail stores we fund have varying degrees of imperfect credit. Most people are imperfect, that's the real world. With QuicLoans, get approved in hours and funded the same day.

Looking for more retail funding information? Explore all retail business loans →

Related Questions

Can I get a business loan for my retail store if I already have financing?

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Do all business loans for retail stores require collateral?

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How fast can my retail store get a quick business loan?

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How do I get a business loan for retail inventory?

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We're More Than Just Speed

These advantages make a QuicLoans loan the smart choice. When funding works for you, it’s just common sense.

  • Quick Funding

    Fast isn’t a feature, it’s the foundation. Our quick business loans deliver funds in as little as 3 hours, without the usual friction.

    You get working capital exactly when you need it.

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  • Unsecured

    No collateral required. We approve based on business strength, not what you’re willing to risk.

    Your property, equipment, and assets stay separate.

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  • Tax Deductible

    Interest on business loans is almost always tax deductible, which means your cost of capital could be lower than you think.

    You retain capital and reduce the true cost of borrowing.

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  • No Personal Credit Impact

    We don’t report to personal credit. Your business is the borrower, the way it should be.

    Your credit report stays unaffected for mortgages, refis, auto loans, and more.

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82%

of small businesses fail due to lack of cashflow, not lack of demand.

— 2024 U.S. Bank study

Take the Stress Out of Loan Shopping

Getting a quick business loan for your store should be straightforward. We've brought common sense back to the process, and cut out the worst parts.

  • Banks Don’t Move Fast Enough

    You need funds now. Not a drawn-out process that doesn’t care if your inventory just arrived late or you’ve got a lease payment due.

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  • Bad Credit Doesn’t Equal a Bad Business

    We approve businesses, not people. If you're moving product and bringing in revenue, we’ll focus on your performance, not just your FICO score.

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  • Brokers Never Seem to Deliver

    Many charge upfront fees, bait and switch the terms, overpromise results, then vanish when things get hard. We don’t.

    Learn more →
  • Have a Loan Already? Most Stores Do

    We’re comfortable working around existing financing. If your retail shop brings in steady revenue, we’ll show you what’s still possible.

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71%

of small employer firms report some form of outstanding business debt

- Federal Reserve Bank

Your Retail Shop’s Next Move Starts Here

You’re ready to solve your problem. We’re ready to fund you.

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