Apply now

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.


By clicking "SUBMIT DETAILS", I also agree to Rangewell's Terms and Conditions and Privacy Policy.
NACFB - Commercial Broker Awords 2020European Nominee FinTech100

Current Terms Available


  • 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.

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.

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.

We wanted to grow the business. We needed funds to do it - but most lenders looked at our history and couldn't help. Rangewell found one who could.
I had CCJs. I thought it would mean I could never get funding. The Rangewell team thought otherwise.
We had problems that went back to the financial crisis. Now we can borrow again, and put them behind us.

Discover your range of finance. 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.

Find Funding

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.


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

Rangewell Ebook - 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

By clicking "GET YOUR COPY", I also agree to Rangewell's Terms and Conditions and Privacy Policy.

Applications may be more difficult

You 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 affected

Your 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 high

The 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.
By using our services, you agree to Rangewell's Cookies Policy.