All Credit
Working capital with bad credit
A rough credit stretch doesn't close the door. This program is underwritten on what moves through your business bank account: your deposits carry the file and your score is secondary. No down payment at any credit level, every profile considered.
- Deposits first, credit second
- No down payment at any score
- Business credit can carry a sub-600 file
- Funds in as little as 24 hours
Updated September 3, 2026
Can I get working capital with bad credit?
Yes. Avanti Equipment Finance considers every credit profile for working capital, because the program is underwritten on three months of business bank deposits rather than the owner's score. Scores of 600 and up see the widest options; below that, steady deposits and credit in the business's own name can carry the file. There is no down payment at any credit level. Amounts run $10K to $250K over 6 to 24 months, with funds in as little as 24 hours after signing.
Why finance with Avanti
Most working-capital decisions at a bank start and end with the personal credit score. Here it is one input, and not the main one. The amount is sized from three months of business bank deposits, so a business with steady revenue and a bruised personal file still has a real path. Scores of 600 and up see the widest range of options. Below that, two things carry a file: consistent deposits, and credit in the business's own name: trade accounts, a business credit card, a Dun & Bradstreet file. What you won't get is a down payment that scales with your score, because there is no down payment at any level. If the deposits support it, we'll find a structure; if they don't, we'll say so.
At a glance
- Amounts
- $10K – $250K
- Terms
- 6 – 24 months
- Credit
- Every profile
- Down payment
- None
How it works
Apply in three minutes
Business name, monthly revenue, what it's for, and a quick credit-based pre-qualification. No tax returns to start.
Send three months of bank statements
All pages, PDF downloads from your online banking. Attach them to the application and the review starts right away.
Terms the same day
A real person calls with the amount, term, and total cost in plain numbers. No surprises in the fine print.
Funds in as little as 24 hours
Sign, and the money is wired to your business account on a payment schedule you saw before signing.
Frequently asked questions
What credit score do I need for working capital?
There is no cutoff. Scores of 600 and up see the widest options; below 600, steady deposits and credit in the business's own name can carry the file. Every profile is considered.
Does a low score mean a bigger down payment?
No. There is no down payment at any credit level. The amount is sized from your deposits, not from cash you bring.
What is business credit, and why does it help?
Credit in the business's own name rather than yours: trade accounts with suppliers, a business credit card, a Dun & Bradstreet file. It shows the business pays its own obligations, which matters more here than a personal score.
I had a bankruptcy. Can I still apply?
Yes, you can apply. Every profile is considered, the decision rests mostly on the deposits in the business account, and a real person tells you where you stand before anything moves forward.
Is the cost higher with bad credit?
Terms are set from your deposits and your profile, and you see the amount, term, and total cost in plain numbers before you sign. Nothing is hidden in the fine print.
How fast can I get funded?
Terms usually come back the same business day your bank statements arrive; funds land in as little as 24 hours after you sign. Attach the statements to the application and the review starts the moment you submit.
Related financing
- Working capitalPayroll, inventory, repairs and slow months. For any business, funds in as little as 24 hours.
- How fast working capital fundsTerms the same day the statements arrive; funds in as little as 24 hours after signing.
- Working capital for restaurantsPayroll, a dead walk-in, the slow month. Card and cash deposits both count.
- Working capital for contractorsMaterials, payroll and the wait for a draw, sized from your deposits.
Read more on this
- 5 min readRead Your Own Bank Statements the Way an Underwriter WillBefore you apply for working capital, spend ten minutes with your last three bank statements: what to look for, what to fix, and when to wait a month.Read →
- 6 min readBank Line of Credit, Cash Advance, or Working Capital: Which One Fits the Problem?Three ways to cover a cash gap, three different tools. How each is structured, what it takes to qualify, how long it takes, and the three numbers to check before you sign any of them.Read →
Working capital products are subject to credit-based pre-qualification, bank statement review, and final approval. Amounts, terms, and cost vary by business and state. Not available in all states. This is a commercial financing offer only; no consumer financing is provided.