A poor business credit score shouldn’t hold you back from growing your business

If you’ve got a bad credit history you may find it difficult to get a conventional Company Loan. It’s an unfortunate fact that traditional lenders like banks will consider you too much of a risk to part with their money. A county court judgement (CCJ), late credit card repayments, or non-payment of any loans are just some of the things that will give you a poor rating. Even if you’ve got a successful business that’s doing really well, it’s not always likely you’ll be able to secure the funds you need.

Small business loans for businesses with bad credit

If you’ve been denied a loan for your business don’t worry, there are other options available. Now, more than ever before, many other Small Business funders will lend money to business owners with a less than perfect credit history.

The choice is no longer just ‘bad credit business loans’ either; there are a wide range of Alternative Business Funding options now available. These funders use modern underwriting techniques to form decisions based on how your business is doing today, right now, not just your credit history. They combine innovative technology and information models utilising softer data, better known as big data, to vet potential customers. Assessing a business’s industry reputation, customer reviews, ratings and social media footprint can provide a more truthful picture of its risk.

And that’s how we at Liberis look at things. We offer small business funding based on our businesses future credit and debit card sales. We’re more interested in your business and its monthly sales than your credit score.

Business cash advance – a solution for bad credit

Been turned down in the past because of bad credit? Then a Business Cash Advance could be just the solution for your business. It’s very effective finance, particularly for micro and small businesses who need easy access to working capital, as well as those who need it for growth.

How it works

A business cash advance is an Advance Of Cash based on future credit and debit card sales and is repaid via pre-agreed percentage of your business card transactions.

Because payback is directly linked to card takings, it only happens when your business earns. And unlike many other forms of funding, company or personal assets aren’t required.

What’s more, if the cash advance takes longer to pay off, the originally agreed repayment cost remains the same. No penalties or fees are added, because there’s no such thing as late payment. Check Your Eligibility now.

Don’t let bad credit history hold you or your business back. A Liberis business cash advance could be a safe solution, as we are also supported by the UK Government.

The Liberis Cash Advance - designed to help UK SMEs
  • Apply in minutes for £2,500-£300,000 and if successful see funds within as little as 24 hours
  • You pay back only when you earn – no fixed monthly payments
  • You keep 100% of your cash income
  • One clear cost, no APR
  • No fees, hidden charges or penalties. Ever
Apply in minutes

You can apply in a matter of minutes, and we can make a decision on the phone for you there and then.

  • One simple cost (no APR)
  • You need a credit/debit card terminal
  • You keep 100% of cash earnings
Get a quote
See why more and more UK businesses are switching to Liberis as a flexible alternative to the bank
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Registered in England and Wales No: 5654231. Address: One Hammersmith Broadway, London W6 9DL
Liberis is a responsible financial provider. Liberis does not offer 'short-term loans'. The minimum expected duration of a Business Cash Advance is 120 days / 4 months and typical expected durations are 6-12 months. These business financing products are not consumer loans.