Business Funding with Bad Credit UK 2025
80% approval rate for bad credit businesses. iwoca, YouLend, 365 Finance focus on revenue, not credit scores. £3k-£500k available even with 400-600 credit score for your business growth.
Best Bad Credit Funding Providers
iwoca
BESTApproval Rate:85%
Rates:1.08-1.25x (best rates)
Accepts:CCJs/defaults
YouLend
Approval Rate:80%
Rates:1.10-1.35x
Accepts:Credit score less important
365 Finance
Approval Rate:75%
Rates:1.25-1.40x
Accepts:Challenged credit
Capify
Approval Rate:70%
Rates:1.20-1.45x
Accepts:Bad credit businesses
Approval Rate by Credit Score
Excellent credit
Good credit
Fair credit
Poor credit
Bad credit
Very bad credit
What Matters More Than Credit Score
1. Monthly Revenue
£10k+/month = 80% approval even with 500 score
2. Sales Trend
Growing = approved. Declining = declined
3. Time Trading
12+ months = overcomes poor credit
Real Example: 480 Credit Score Approved
Business Profile
Credit score: 480 (very poor)
CCJs: 4 satisfied, totaling £18k
Monthly revenue: £14,000 (stable)
Trading: 18 months
Applied to: iwoca
✓ APPROVED
£30k at 1.28x factor rate
Conclusion
Bad credit doesn't block MCA approval.
If revenue is £5k+/month and stable, you have 70-80% approval chance from iwoca/YouLend/365 Finance regardless of credit score. Focus on revenue growth, not credit score.
Get Approved with Bad Credit
80% approval rate for poor credit businesses
Revenue matters more than score • £3k-£500k available
Apply NowFrequently Asked Questions
Can I get business funding with bad credit?+
Yes! 80% approval rate for bad credit businesses. MCAs from iwoca, YouLend, and 365 Finance focus on revenue, not credit scores. £3k-£500k available even with 400-600 credit score.
What credit score do I need for business funding?+
MCAs don't have strict credit score requirements. Approval is based on monthly card sales, not credit score. Even with 400-600 credit score, if you have £5k+/month revenue, you likely qualify.
Which provider is best for bad credit?+
iwoca has the highest approval rate (85%) for bad credit businesses with best rates (1.08-1.25x). Also accepts CCJs/defaults. YouLend (80% approval) and 365 Finance (75% approval) also work well with challenged credit.