Bad Credit Business Loans

What is a Bad Credit Business Loan?

A bad credit business loan provides options for those whose credit scores have suffered. As opposed to providing a loan based on a credit score, bad credit business loans provide funds to companies based on other factors.

We provide Bad Credit Business Loans

Fortunately for business owners looking for a loan from Wing Lake, we aren’t concerned with FICO score or credit history. Our underwriters look at the viability and profitability of a business rather than the credit score of the borrower. Once a loan is obtained through Wing Lake, a business owner’s credit score can be improved by demonstrating their ability to repay the loan.

How Bad Credit Business Loans Work


Submit your application


Speak to funding advisor





How can you qualify for a loan with Wing Lake Capital?

Our loan options facilitate access to cash flow by providing non-credit-based solutions for businesses. We make consolidation opportunities available by focusing on the earnings and profitability of your business, not your credit score. We base qualification on your debt schedule and profit/loss margins.

Term Length
3 years
# of Monthly Payments
Monthly Payment Reduced

Do you qualify? Our loan advisors would love to answer any questions you may have about your business loan options.

Stressed young African couple can't stand tension of financial crisis, looking unhappy and frustrated, sitting at kitchen table with calculator, trying to save some money by cutting domestic expenses

Why restructure your debt with Wing Lake Capital?

Our consolidation solutions provide multiple restructuring options that can lower your monthly payments by 60% or more!

Fast Approval Measures

Trusted and Secure Process

Quick & Easy Funding

Not Based On Credit Score

Affordable Rates

Convenient Repayment

Trusted by small businesses everywhere.

0 k+
businesses powered
by Wing Lake Capital.
$ 0 B+

Who else can benefit from Bad Credit Business Loans?


Funding for trucking/Logistics Apply now Alternative Trucking/Logistics Loans Traditional lenders can be difficult to work with when seeking out lending

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Funding for Manufacturers Apply now Alternative Manufacturer Loans Manufacturing Services consist of specialties such as clothing and textiles, food production,

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Funding for Retailers Apply now Alternative Retailer Loans Traditional lenders can be difficult to work with when seeking out working

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Bad Credit Business Loans can also benefit restaurants, dental practices, attorneys, dry cleaners, gas stations, pharmacies, and more. No matter what industry you operate in, our expert Funding Advisors will work closely with you to select the best funding option to help you achieve your business’s goals without sacrificing cash flow.

Check out our other services

MCA Consolidation

A Merchant Cash Advance (MCA) is one of the fastest and simplest business funding solutions for small businesses in need of working capital. A merchant cash advance (MCA) isn’t necessarily a loan, it's a cash advance based on the credit card sales deposited through the business’ merchant account.

– Restore Cash Flow
– Consolidate Debt

– Flexible Payments
– Hassle-Free Application

Business Line Of Credit

A Business Line Of Credit is one of the simplest business funding solutions for small businesses in need of working capital. A business line of credit provides funds specifically for use in the business and can be used to pay for operating expenses. With a business line of credit, you have a set amount you can draw on but only have to payback what you borrow.

– Flexible
– Liability-Free

– Easy Access
– Hassle-Free Application

Term Loans

A term loan is regarded as a loan with a repayment term that is three years. Compared to other types of loans, a term loan can be considered a good option if you're in need of borrowing a larger amount of money and want to have lower monthly payments.

– Access Cash
– Lower Interest Rates

– Minimize Investor Influence
– Hassle-Free Application

Frequently asked questions

To qualify for a loan from Wing Lake we need to see positive cash flow and on average $300K revenue per month or $3mm gross revenue on an annual basis

You can apply here

We invoice payments on a monthly basis

On average our underwriting process takes  2 to 4 weeks 

75% coverage is typically required