Funding when your credit score isn't perfect
A poor credit history doesn't have to stop you growing. Our specialist panel funds businesses other lenders decline.
Business funding made simpler
- £5,000 – £250,000 funding
- 300+ UK lenders on our panel
- Initial decisions often within 48 hours
- Soft-search eligibility check
At a glance
About Bad Credit Business Loans
If you've been declined by the bank because of CCJs, missed payments or defaults, you still have options. Specialist UK lenders look at how your business trades today — not just credit history — to make sensible funding decisions.
Why businesses choose Apex Loans
Expert support, access to a wide lender panel and a straightforward application process.
Specialist lenders
Access funders that actively support adverse-credit businesses.
Cash-flow focused
Lenders weigh current trading more than past blemishes.
Rebuild credit
Successful repayments help rebuild your business credit profile.
Transparent terms
We explain rates and fees upfront — no hidden surprises.
Am I eligible?
Eligibility varies by lender, but businesses with an established trading history and regular turnover may have access to a wide range of funding options.
Our eligibility check takes around 60 seconds and helps us understand which options may be suitable. It uses a soft search only, so there is no impact on your credit score.
- UK-registered business
- Trading 6+ months
- Demonstrable monthly turnover
Access a wide panel of UK business lenders
- 300+ UK lenders, from high-street names to specialist SME funders
- One application reviewed against multiple funding options
- FCA-regulated credit broker — we arrange finance, we are not the lender
- A UK-based funding specialist manages your case end-to-end
Frequently asked questions
Ready to explore bad credit business loans?
Check eligibility in around 60 seconds with no impact on your credit score.