2025 Guide

Best Business Funding for Bad Credit UK

Best Option: Merchant Cash Advance (MCA) is the #1 funding solution for bad credit businesses in the UK. 90% approval rate, £3,000-£500,000 available. No credit checks, no personal guarantees, no collateral needed. Based on your monthly card sales, not your credit score.

Top 3 Bad Credit Funding Options

BEST OVERALL

Merchant Cash Advance

Approval Rate: 90% (even with CCJs, defaults)

Amount: £3,000-£500,000

Speed: 24-48 hours

Requirements: £3k+/month card sales

Invoice Finance

Amount: £10,000-£5M

Based on: Customer credit, not yours

Best if: You invoice other businesses

BEST FOR B2B

Asset Finance

Amount: £5,000-£500,000

Secured by: The asset you're buying

Best for: Equipment, vehicles

BEST FOR EQUIPMENT

Why MCA Works for Bad Credit

MCA providers don't care about your credit history - they care about your current business performance. If you take £20,000/month in card payments, that proves your business model works TODAY. A 450 credit score from 3 years ago is irrelevant.

What Credit Issues Are Accepted?

CCJs (County Court Judgments) - satisfied or unsatisfied

Credit scores under 500

Multiple defaults

Previous bankruptcy (if discharged)

IVAs (Individual Voluntary Arrangements)

Late payment history

Rejected by banks

Debt management plans

How to Apply in 5 Simple Steps

Check eligibility

£3k+/month card sales, 3+ months trading

Gather documents

3 months bank statements

Apply online

Takes 10 minutes

Get decision

24 hours

Receive funds

24-48 hours

90% Approval Rate - Bad Credit Welcome

Get funding based on your business performance, not credit score. Most businesses approved within 24 hours.

Apply Now - Bad Credit OK

✓ No impact on credit score • ✓ Free application • ✓ 24-hour decisions