Bad credit has a way of closing doors before you even get to knock. But with revenue-based financing, your credit score is not the deciding factor — your monthly revenue is. If your business is generating income, Black Lamb Finance can work with you.
Why Bad Credit Doesn’t Matter With Revenue-Based Financing
Traditional lenders use your credit score as a proxy for risk. Revenue-based lenders use something more accurate: your actual business performance. Bank statements don’t lie. If your business is consistently bringing in revenue, that tells us more about your ability to repay than any credit report.
We’ve funded business owners with credit scores in the 500s, past bankruptcies, and prior loan defaults — because their businesses were healthy and generating strong revenue.
What We Look At Instead of Credit
- 📊 Monthly revenue — minimum $10,000/month
- 📅 Time in business — at least 6 months
- 🏦 Bank account activity — consistent deposits, no excessive overdrafts
- 📈 Revenue trend — stable or growing is ideal
How Much Can You Get With Bad Credit?
The amount is determined by your revenue, not your credit score. Most businesses qualify for 3–7x their monthly revenue. A business doing $20,000/month could qualify for $60,000–$140,000 in funding — regardless of credit history.
How It Works
- Apply in minutes — no hard credit pull during the application
- Submit 3 months of bank statements — we review your revenue picture
- Get a decision in 24 hours — based on revenue, not credit
- Receive funds in 1–2 business days
- Repay as a percentage of monthly revenue — slow month? You pay less.
Industries We Fund (Bad Credit Welcome)
We work with business owners across all industries who have been turned down by banks due to credit:
- 🍽️ Restaurants and food service
- 🔧 Contractors and construction
- 🚛 Trucking and logistics
- 💇 Salons and beauty businesses
- 🛍️ Retail and e-commerce
- 🏥 Cash-based healthcare practices
Don’t let a bad credit score stop your business. Apply now — your revenue is what matters.
Learn more: Complete Guide to Revenue-Based Financing