Do a search about business loans and bad credit and you will see result after result touting some way or another where you can fool the banks and lenders into giving you a business loan.
Follow those results and for the most part you will only end up poorer (paying those companies or individuals a fee) and still not getting the business loan you want or need.
Banks and lenders use credit histories and credit scores as a time saving measure. You request a loan, they pull your credit. If your credit is bad or below their threshold, they don't waste anymore time on your deal request and can move on to other deals that have a better chance of getting funded.
Based on past results (your business's past results and not your personal credit history), your firm could receive a cash advance to be used as working capital to re-stock inventory, pay employees, generate new business or whatever your business so desires.
And, since repayment of this advance (loan) is based on future cash flow from your credit card paying customers, these lenders are not that concerned with your personal credit scores but more concerned about your business's ability to keep getting those paying customers in the door (which is what you wanted - a business loan based on your business results and future potential and not your past credit mistakes).
Now, while Business Cash Advance lenders place the onus of their loan/advance decision on your future cash flow potential, they may still pull your personal credit. The reason is that should your business shut down tomorrow, they want to be assured that you will still pay them back.
But, if your credit score is border line or just a bit below what a traditional lender requires, then a Business Cash Advance just might be the financing kick start your business needs.
These small business financing options were designed for businesses and business owners just like you - whether it is bad credit or a lack of cash flow or whatever reason a traditional lender states why they declined your loan request.
Thus, if you are one of the many that want a lender to focus their loan approval on your business and not on your credit, then seek the right business loan; a loan that has no reason to focus on your credit (as you and your business have already done the work) but focuses more on the merits and wherewithal of your company's future potential.
So, the ball is in your court. Forget your credit score and get out there and get the business - show these lenders that your business can and has the potential to be something special and then use that potential to get the financing you need.
Loans for restaurants
If bad credit is holding you back from getting the business loan your company needs, maybe it is time to step up to the plate and seek a loan that is more concerned about the abilities of your business and not solely on if you have made a few credit mistakes in the past.
In the end, it really doesn't matter where that capital comes from as it all can be spent the same way - helping you grow your business into the success you know it can be.