Bad Credit Business Loans

At Cubefunder, we look at your whole business, not just your credit score.

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Cubefunder Bad Credit Business Loans



Based on 70 reviews

Cubefunder has been a lifesave

Cubefunder has been a lifesaver for us over the last 18 months. We are delighted with our experience, and would not hesitate to recommend them.

Luke Gleeson
To the point....

Quick, simple, honest.... what more is there to say?

Andrew Thorpe
Nice service and very quick

Nice service and very quick

Scaffolding PL Ltd
Excellent customer service fro

Excellent customer service from Hayley, very helpful from start to finish! Happy...

Karl Dodding
Great team to work with

Great team to work with. We have received several loans from cubefunder...

Ashish Patel
Excellent customer service

Always fantastic service from Cubefunder. Although a slight glitch that was soon...

Great service

Great service. Very quick and efficient. Great customer care. These are the thin...

Smilemaker Dental Practice Limited
Reliable funding group

Reliable funding group! Specially for small businesses...

Greg Lumakin
Cubefunder were fantastic thro

Cubefunder were fantastic throughout the whole process of our loan process. Fast...

Katie Cannon
ATS - Thank you Hayley.

Recently, ATS have reached out to Cubefunder, who’s staff and a particular Ms H...

Michael Mansell

Can I Get a Business Loan With Bad Credit?

Yes, at Cubefunder, we don’t make decisions based on arbitrary scores. We look at your business as a whole before making a lending decision. We do not instantly decline a loan solely based on a poor credit score.

If your business passes our affordability and loan criteria, we can still offer you the funding, even if you have a bad personal credit score.

We understand that a business may have its ups and downs and this may have had an adverse impact on your credit score. We will still consider applications from directors with poor credit so don’t let that stop you from applying for a business loan from Cubefunder.

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Can I Get a Business Loan With Bad Credit?

What our Customers Say

“Cubefunder was one of the only lenders that would lend us money because my credit rating was damaged trying to build the company over 10 years which is still running.”

Simon Llewellyn, The Sausage Revolution

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Any business purpose£5,000 - £100,000.

Funding Purpose

Business Funding for any business purpose

Here is a list of common business purposes that we provide a loan for. This is not an exhaustive list, we will consider any valid business purpose including plugging cash flow gaps ahead of a rent or VAT quarter.

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  • Unexpected Bills
    Unexpected Bills
  • Wages/Salaries
  • HMRC Payments
    HMRC Payments
  • Rent/Rates
  • Working Capital
    Working Capital
  • Stock
  • Expansion
  • Cashflow Buffer
    Cashflow Buffer
  • Refurbishment

How can I apply for a business loan with poor credit?

  • 01 Apply


    Takes less than 2 minutes to apply online, we only require basic information like your contact details and your company name. No business plans or budgets required.

  • 02 Quick Call

    Quick Call

    Within 30 minutes, our dedicated customer service team will reach out to get a better understanding of your business and your funding requirements.

  • 03 Underwriting


    As soon as we receive the required documents, our team will review your information and determine how much we would be able to lend to your business.

  • 04 Funding


    Final pre-fund checks, you sign the loan agreement, and we confirm where we send the loan.

Not much stop us from Lending

Banks Said No

Banks Said No

Let down by the traditional institutions? We will still consider your application for a business loan.

We Lend To Many Different Sectors

We Lend To Many Different Sectors

From hotels to construction, you can count on our flexible and fast funding to help your business.

Less Than 12 Months <br>In Business

Less Than 12 Months
In Business

As long as you have been trading for at least 3 months, we will consider your business loan application.

Backing Any Business Purpose

Backing Any Business Purpose

A Cubefunder business loan can be used for any business purpose. Working capital, Rent, HMRC payments, cashflow buffer, etc.

Advantages of a Cubefunder Business Loans

No Late Payment Penalties

No Late Payment Penalties

No late payment penalties. If your business hits a speedbump, give our team a call and we will work with you.

Flexible Repayment Plans

Flexible Repayment Plans

We work with your business to create a suitable repayment plan for your business.

No Early Repayment Penalties

No Early Repayment Penalties

We don't punish small businesses for being successful. We don't charge any fees for settling loans earlier than expected.

No Complicated Business Plans Required

No Complicated Business Plans Required

We don't ask for complicated business plans or projections. On most occasions, we just need to see your business bank statements.

Any Business Purpose

Any Business Purpose

We provide business loans for any business purpose including tax payments, stock purchase, HMRC payments and more.

UK Based Lending Team

UK Based Lending Team

UK based lending team available to answer any questions and help you need when you need it.

Maria Dolan

Customer Testimonials

We needed the funding to increase our showroom presence and have more output in our factory. I chose Cubefunder after initially being declined a loan with my business bank.

Maria Dolan
Westley Brown

Customer Testimonials

We’ve been a Cubefunder customer for 2 years now. No frustrations what so ever. Very easy to deal with.

Westley Brown
WBM Scaffolding
Simon Llewellyn

Customer Testimonials

Cubefunder was one of the only lenders that would lend us money because my credit rating was damaged trying to build the company over 10 years which is still running.

Simon Llewellyn
The Sausage Revolution

Frequently Asked Questions

Answers to the most frequently asked questions by our customers

Yes, we will take into account more than just your credit score and review if you will be able to afford the repayments. Cubefunder always lends responsibly, and therefore we need to see that your business can afford repayments. We also urge you to seek professional advice before taking on a loan.

No. Like most lenders, we will need to carry out a credit check before we are able to lend. We only run a credit check after we have spoken to you, passed the application and have your express consent.

Our process is the same for all applicants with poor credit. Simply apply via our online form to get started and we will be in touch to make sure we have everything to make a lending decision.

We can complete the application and have funds in your business account as fast as 2 working days. The application will be processed quickest if your business bank is eligible for Open banking technology, which virtually all banks are now.

Yes, we offer unsecured business loans. We are able to offer faster lending decisions as we require less paperwork compared to a secured loan.

We will need sight of the last 90 days of business banking transactions. The quickest way to do this is with secure Open Banking technology.

We handle this using and send you a link to securely authorise your bank to supply the transaction data in a few seconds. Only if you are unable to use Open Banking Technology (eg if your bank is not in the scheme), we can accept PDF copies.

Apply For a Business Loan Today

A business loan for any business purpose.

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