Small Business Loans for Bad Credit

You can still raise funding even when your credit history is damaged. We can show you can fund your business plans.

Speak to one of our experts020 4525 5312

Funding options



  • 1 to 60 months
  • Secured loans
  • Monthly rates starting from 0.35%
  • Funding can be available quickly

Designed for your business

  • Specialist lenders
  • Adverse Credit – no problem
  • Fast decisions possible
  • Individual arrangements


  • Funds for any business purpose
  • Invoice funding
  • borrowing
  • Asset funding

Talk to Rangewell – the business finance experts

We know that a damaged credit history can mean real problems when you need finance for your small business. Fortunately, we know lenders who can still provide the funding you need.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

If your business has faced financial problems in the past, it can mean you face real problems securing finance for the future.

If you’re a business owner suffering from a poor personal or business credit score, acquiring finance can become extremely challenging.

Lenders check your business and personal credit rating when you apply for a business loan. A poor credit rating, with County Court Judgments, Winding Up Orders and an underperforming business history will be a red flag for many lenders. If you’ve struggled to pay back a loan in the past, the lender will feel you’re more likely to do so again.

Traditionally, business loans were provided by banks, who have a rigid approach to lending. Fortunately, there are many new lenders who have joined the market and which can adopt a more flexible approach.

They can consider applications from your business, even if you have a less than perfect credit history.

The cost of your loan

Lenders make decisions based on the risk that they might not get their money back. The higher the risk, the higher the rate they charge, and if the risk is too high they won’t lend at all.

A poor credit history increases the risk, and the cost, of borrowing.

There are ways to bring the costs back down. One answer is to offer security, something the lender can take if you default on payments. Security can be business assets such as your premises or machinery, or personal assets like your home. Lenders may insist on Secured Loans for borrowers with an imperfect credit history.

They may also require Personal Guarantees from you and your partners or co-directors. These are agreements that you will be responsible for making repayments if your business is unable to make them.

Are you struggling to find funding solutions for your business?

For personalised support and innovative solutions, contact the Rangewell Funding Team today

Call us




Why you need Rangewell to arrange the funds your small business needs

Arranging any type of business finance demands expertise. Whether you are needing to source quick business loans or more straightforward small business loans, at Rangewell, we help all types of businesses find all types of funding, and we work across the whole UK lending sector.

Our expertise has helped us build working relationships with lenders who can offer funding for businesses with poor credit ratings.

We can work with you to understand the difficulties you have faced in the past, and use our expertise to help find lenders who will be most likely to offer you the funding you need now. We will help you make your application - giving you the best chance that you will be accepted for the funding you need.


  • Find a secured loan of £15,000 for a company that had only been in business for three months

  • Source an unsecured loan of £3500 loan to repair a lift for a local garage

  • Set up a secured loan for a business that was already in a Creditors Voluntary Agreement

  • Find a small business a loan at a rate 50% lower than its owner could source himself

  • Find an unsecured loan to help for a small dress shop buy in a new season’s stock

Call us to discuss the solution for bad credit

Our personal connections with lending decision makers can help us secure finance for businesses with adverse credit ratings in a number of sectors.

Of course, arranging this type of funding remains a challenge. To find out more about how we may be able to help, please contact us. We will discuss your circumstances, the kind of lending we may be able to help find, and the costs that lending may involve.

Our service is free and without obligation

If you have a funding need, please contact us

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Specialist lending for bad credit ratings
    Some specialist lenders can look past bad credit histories, and can advance funds based on your current business performance.
  • Easy applications
    Many lenders can accept online applications, with minimum paperwork.
  • Borrow for any purpose
    You can borrow to invest in your business growth, or to deal with a short-term cashflow shortfall. At Rangewell we can help you find the right type of funding for your need.
  • Flexible
    Your repayments can be fixed, so you can budget ahead - but many lenders accept early repayment, which can cut interest costs.
  • Rebuild your credit rating
    Taking out and successfully repaying a business loan can help repair a damaged credit rating.
  • Fast decisions
    Arranging a loan can be done in hours. Some lenders can get money into your business account in the same business day that you apply.

Download Rangewell's free and detailed guide to borrowing with impaired credit

How getting the right funding must be part of your turnaround plans

What are the types of business lending – which do you need?

Why not all providers are equal – finding those that can help

How we can help you pay less

The downsides to finance – and how to avoid them

Making arrangements; What paperwork do you need?

Key terms explained

Download now

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Applications may be more difficultYou may need lenders who specialise in distressed lending to understand your needs and provide suitable funding. The application process may take significantly longer, and require more supporting materials.
Your credit rating may be affectedYour personal, as well as your business credit rating may be further affected if you don’t keep up repayments on a business loan arranged for a recovery situation.
Costs may be highThe costs of lending arrangements may be substantially higher if your business is in a CVA or other arrangement.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.