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Your Credit Score Doesn't Define Your Business.

Traditional banks reject thousands of Canadian businesses every year not because those businesses aren't viable, but because they rely too heavily on credit scores. At Solid Capital, we look at your business holistically. If you have revenue and a viable operation, we want to work with you.
Your Vision, Our CapitalWe offer flexible funding options, turning your vision into reality with strategic capital investments.

A difficult credit history doesn't mean you can't access capital. It means you need a lender who looks beyond the number. Our underwriters analyze your cash flow, revenue consistency, time in business, and industry giving you a fair shot at the funding your business deserves.

How Our Bad Credit Business Loans Work

01

Apply online in 5 minutes

Tell us about your business, your revenue, and what you need the funding for. We don’t ask for your credit score upfront — we look at your full picture.

02

Holistic Review by a Canadian Advisor

Our underwriters evaluate your cash flow, revenue consistency, time in business, and industry potential — not just a three-digit number. A real person reviews every application.

03

Receive a Transparent Offer

If approved (and 89% of applicants are), you’ll receive a clear offer with the amount, rate, term, and total cost of capital disclosed upfront. No fine print.

04

Get Funded — Often Within 24 Hours

Accept your offer, sign digitally, and funds are deposited directly to your business bank account. Fast, respectful, and designed to get you moving.

Common Reasons Businesses Have Challenged Credit

We review revenue and cash flow, not just credit scores

We've approved businesses with scores as low as 500

No judgment we work with your situation, not against it

Transparent offers we tell you what you qualify for and why

89% of all applications approved in 2025, regardless of credit profile

Is a Bad Credit Business Loan Right for You?
A bad credit business loan from Solid Capital is ideal if you:
Have a viable, revenue-generating Canadian business but a personal or business credit score below 650
Have been declined by one or more traditional banks or B-lenders due to credit history
Experienced a past bankruptcy, consumer proposal, or collections but have since stabilized your business
Are an early-stage business with a thin credit file but strong and consistent monthly revenue
Need capital for growth, inventory, hiring, or operations and can’t afford to wait for credit repair
Want a lender who evaluates your business potential, not just your past financial challenges
Bad Credit Business Loan vs. Traditional Bank Loan
FeaturesSolid CapitalTraditional Bank
Approval TimeAs fast as 24 hours2–8 weeks (if approved at all)
Minimum Credit ScoreNo minimum — scores as low as 500Typically 680+ required
What We EvaluateRevenue, cash flow, business viabilityPrimarily credit score + financials
Approval Rate89% of all applicants in 2025~30–40% for SMEs; lower for bad credit
Documentation3–6 months bank statements + IDTax returns, financials, business plans
Human ReviewEvery application reviewed by a personAlgorithm-driven; auto-declined often

FAQ

Have Questions?
We Have Answers.

Curious about securing funding or a mortgage with Solid Capital? We've compiled answers to frequently asked questions to guide you.

View all faq

Ready to get the funding your business deserves?

Apply in 5 minutes and get a decision today.No obligations, no impact to your credit score to apply.

No obligation. No impact to your credit score to apply.

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