Securing capital is the lifeblood of any growing business, but a challenging credit history can make it feel like an insurmountable obstacle. Many entrepreneurs believe that a low credit score automatically disqualifies them from funding, but this is a common misconception in today's lending landscape. This comprehensive guide will show you exactly how to get a business loan with bad credit, outlining the steps, strategies, and solutions available to help your company thrive.
In This Article
Before diving into solutions, it is crucial to understand what lenders mean by "bad credit." The term is not a formal designation but rather a general category for credit scores that fall below a certain threshold, indicating a higher risk to lenders. Most lenders, including both traditional banks and alternative financing companies, rely on FICO scores, which range from 300 to 850. For business lending purposes, these scores are typically categorized into ranges. A score below 580 is generally considered poor or "bad" credit. Scores from 580 to 669 are often classified as fair, while scores of 670 and above are seen as good to excellent.
When you apply for a small business loan, lenders will almost always look at your personal credit score. For sole proprietorships and newer businesses, the owner's personal financial history is the most reliable indicator of their creditworthiness. Your personal FICO score reflects how you have managed personal debts like credit cards, auto loans, and mortgages. A history of late payments, defaults, or high credit utilization will lower this score and raise red flags for a potential lender. They see this as a potential pattern of behavior that could carry over into your business obligations.
In addition to your personal score, some lenders will also evaluate your business credit score. This is a separate profile that tracks your company's financial history. Agencies like Dun & Bradstreet (with its PAYDEX score), Experian, and Equifax maintain these business credit reports. A strong business credit score is built by paying suppliers and vendors on time, managing business credit cards responsibly, and having a history of other business loans that were paid as agreed. However, for many small businesses, especially those that are newer or have not actively built their business credit profile, the personal credit score of the owner remains the single most important factor in the lending decision. For lenders like Crestmont Capital, a low personal score is not an automatic denial, but it does mean other factors like revenue and cash flow become even more critical.
Key Insight: According to the Federal Reserve's Small Business Credit Survey, 43% of small business loan applicants received less financing than requested - or none at all - often due to credit challenges. Alternative lenders like Crestmont Capital bridge this gap for thousands of businesses every year.
A low credit score fundamentally changes the conversation with a lender because it signals a higher level of risk. Lenders are in the business of managing risk; they provide capital with the expectation that it will be repaid with interest. A credit score is their primary tool for predicting the likelihood of repayment. When a score is below 580, it tells a story of past financial struggles, whether they were due to missed payments, loan defaults, collections, or even bankruptcy. From a lender's perspective, this history suggests a greater chance that the business might fail to meet its new loan obligations.
This perception of increased risk leads to several direct consequences for the business owner. First and foremost, applications to traditional lenders like major banks and credit unions will almost certainly be denied. These institutions have very strict underwriting criteria and low risk tolerance, typically requiring personal credit scores well above 680 or even 700. They are not structured to evaluate the nuances of a business that might have strong fundamentals despite the owner's past credit issues. This forces business owners with bad credit to look exclusively at alternative lenders and private financing companies.
Even within the alternative lending space, bad credit has a significant impact. The most noticeable effect is on the cost of capital. To compensate for the higher perceived risk, lenders will charge higher interest rates or factor rates. A business owner with excellent credit might qualify for a loan with a single-digit annual percentage rate (APR), while an owner with bad credit should expect a much higher rate. This is not punitive; it is a mathematical adjustment to balance the lender's risk. Higher rates mean higher regular payments and a greater total cost of borrowing over the life of the loan. The terms may also be shorter, requiring faster repayment to minimize the lender's exposure over time. This can put pressure on a business's cash flow, making it essential to ensure the return on the borrowed capital will significantly outweigh its cost.
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Apply Now →While traditional bank loans are likely off the table, a robust market of alternative financing products has emerged specifically to serve businesses with less-than-perfect credit. These options focus more on your business's current performance, such as revenue and cash flow, rather than solely on past credit history. Understanding these products is the first step toward finding the right fit for your needs.
Merchant Cash Advances (MCA): A merchant cash advance is not technically a loan but rather a sale of a portion of your future credit and debit card sales. A provider gives you a lump sum of cash upfront. In return, you agree to pay back that amount plus a fee by allowing the provider to take a fixed percentage of your daily credit card sales until the full amount is repaid. Because repayment is tied to your sales volume, payments are higher on busy days and lower on slow days. This flexibility is a key advantage. MCAs are one of the most accessible options for businesses with bad credit, as the decision is based almost entirely on your sales history. Qualifications typically include a minimum of several months in business and a consistent volume of monthly credit card transactions.
Revenue-Based Financing (RBF): Similar to an MCA, revenue-based financing also involves receiving a lump sum and repaying it with a percentage of your future revenue. However, instead of being limited to credit card sales, RBF providers take a percentage of all your daily, weekly, or monthly revenue, usually via an automated debit from your business bank account. This makes it a suitable option for businesses that receive payments through various methods, not just credit cards. The repayment amount fluctuates with your revenue, offering flexibility. Lenders will analyze your bank statements to verify consistent revenue and cash flow. A key requirement is a business bank account with a steady history of deposits.
Equipment Financing: If you need to purchase new or used equipment, from a vehicle or heavy machinery to computer systems or restaurant ovens, equipment financing can be an excellent option. This is a secured loan where the equipment itself serves as the collateral. This built-in collateral significantly reduces the lender's risk, making it much easier to qualify for even with bad credit. If you default on the loan, the lender can repossess the equipment to recoup their losses. Terms are typically tied to the expected lifespan of the equipment, and often you can finance up to 100% of the equipment's cost. You can learn more about these options by exploring equipment financing solutions.
Invoice Financing (or Factoring): This type of financing is ideal for B2B companies that have long payment cycles on their invoices. Instead of waiting 30, 60, or 90 days to get paid by your clients, you can sell your outstanding invoices to a financing company (a "factor") for an immediate cash advance, typically 80-90% of the invoice value. The factoring company then collects the payment directly from your client. Once your client pays the invoice in full, the factor releases the remaining balance to you, minus their fees. The approval decision is based on the creditworthiness of your clients, not your own credit score, making it a powerful tool for businesses with credit challenges but reliable customers.
Unsecured Working Capital Loans: These are short-term loans designed to cover everyday operational expenses like payroll, inventory, or marketing. Unlike secured loans, they do not require specific collateral. Because they are unsecured, lenders place a heavy emphasis on your business's cash flow and daily bank balances. They will want to see consistent, strong revenue demonstrated through several months of bank statements. While your credit score is still a factor, a strong revenue history can often outweigh a low score. These loans are typically repaid over a short term (e.g., 6-18 months) with fixed daily or weekly payments. They are a core part of what lenders offer in the small business loans category.
Microloans: Microloans are smaller loans, typically under $50,000, often provided by non-profit organizations or Community Development Financial Institutions (CDFIs). These lenders have a mission to support underserved entrepreneurs, including those with bad credit or in low-income communities. Their underwriting process is often more holistic, taking into account your business plan, character, and community impact alongside your financial data. While the application process can be more intensive and slower than with online lenders, they often offer more favorable rates and supportive resources like business coaching.
| Loan Type | Min. Credit Score | Speed | Best For |
|---|---|---|---|
| Merchant Cash Advance | 500+ | 24-48 hours | Retail / restaurants with card sales |
| Revenue-Based Financing | 500+ | 24-72 hours | Any business with consistent deposits |
| Equipment Financing | 550+ | 2-5 days | Purchasing equipment/vehicles |
| Invoice Financing | Any (based on customer credit) | 1-3 days | B2B businesses with outstanding invoices |
| Working Capital Loan | 520+ | 24-48 hours | Operational expenses, inventory, payroll |
By the Numbers
Business Loans with Bad Credit - Key Facts
500+
Minimum credit score accepted by many alternative lenders
43%
Of small business applicants denied by traditional banks
24 hrs
Average funding time with alternative lenders vs. weeks at banks
$500K
Maximum available even for bad credit borrowers with strong revenue
When your credit score is low, alternative lenders shift their focus from your past to your present. They need to be convinced that your business is healthy and capable of generating enough cash to handle repayment. Your application becomes a story told through data, and the following factors become the main characters.
The most important factor is your business revenue. Lenders need to see a consistent and sufficient amount of money coming into the business each month. They will typically ask for your last three to six months of business bank statements to verify this. They are not just looking at the total amount; they are also analyzing the frequency and size of your deposits. A business with $50,000 in monthly revenue from a hundred small transactions may be viewed as more stable than a business with the same revenue from just one or two large clients. Lenders have minimum revenue requirements, which might range from $10,000 to $20,000 per month or more, depending on the loan product.
Closely related to revenue is your cash flow. Revenue is the money coming in, but cash flow is the net amount of cash moving in and out of your business. A lender will meticulously analyze your bank statements to understand your average daily balance, the number of non-sufficient funds (NSF) days, and your overall spending habits. A business that maintains a healthy buffer in its bank account is seen as less risky than one that is constantly near a zero balance. Multiple overdrafts or negative balance days are significant red flags, as they suggest poor financial management and an inability to handle an additional loan payment.
Your time in business is another critical data point. Lenders prefer to work with established businesses that have a proven track record. Most alternative lenders require a minimum of six months to one year in operation. The longer you have been in business, the more data you have to demonstrate stability and a history of navigating challenges. A business that has been operating for three years is statistically far more likely to succeed than one that is only three months old. This history gives lenders confidence that you have a sustainable business model.
Finally, while many bad credit loan options are unsecured, the ability to provide collateral can dramatically improve your options. Collateral is an asset of value that you pledge to the lender to secure the loan. If you are unable to repay, the lender has the right to seize the asset to cover their losses. Common forms of collateral include real estate, equipment, inventory, or accounts receivable. Offering collateral makes you a much more attractive borrower because it directly mitigates the lender's risk. This can lead to approval for a larger loan amount, a lower interest rate, and a longer repayment term than you would otherwise qualify for.
Crestmont Capital Advantage: We look beyond your credit score. Our funding advisors evaluate your revenue, cash flow, and business trajectory to find the right financing solution - even if your personal credit score is below 580. Explore small business loan options.
Applying for a loan with bad credit requires a proactive and strategic approach. Instead of simply submitting an application and hoping for the best, taking a few preparatory steps can significantly increase your odds of approval and help you secure more favorable terms. Think of it as building the strongest possible case for your business.
First, take the time to clean up your personal and business credit reports. Obtain copies of your reports from all three major bureaus (Equifax, Experian, and TransUnion) and review them carefully for any errors or inaccuracies. Mistakes are common, and things like incorrect late payments or accounts that do not belong to you can drag your score down. Dispute any errors you find directly with the credit bureaus. Beyond fixing errors, work on improving your credit profile. If you have outstanding collections, try to negotiate a settlement. Pay down high-balance credit cards to lower your credit utilization ratio, which is a major factor in your score. Every point you can add to your score helps.
Simultaneously, focus on building your business credit. If you do not have one already, register for a D-U-N-S number from Dun & Bradstreet. Open trade lines with suppliers who report payments to the business credit bureaus. Using a business credit card responsibly and paying the bill on time every month will also help establish a positive payment history for your company. A lender who sees that you are actively and successfully managing your business-specific credit may be more willing to overlook past personal credit issues.
Next, gather all your essential documents before you even start looking at lenders. Being prepared shows that you are organized and serious. Typically, you will need at least three to six months of business bank statements, your most recent business and personal tax returns, a year-to-date profit and loss statement and balance sheet, and a copy of your driver's license. For some loans, you may also need a list of outstanding debts, a business plan, or proof of collateral. Having these documents scanned and ready to go will streamline the application process and create a professional impression.
Finally, focus on the story your numbers tell. Lenders for bad credit business loans are most interested in your recent revenue and cash flow. In the months leading up to your application, do everything you can to maximize deposits and maintain a strong average daily balance in your business bank account. Avoid any overdrafts or non-sufficient funds incidents. If you can demonstrate a clear upward trend in revenue over the last few months, highlight it. A business on a growth trajectory is a much more compelling investment for a lender than one that is stagnant or declining, regardless of the owner's credit score.
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See exactly what your business qualifies for. Our team works with credit scores starting at 500 and can often fund within 24 hours of approval.
Apply Now →Navigating the application process can feel daunting, but breaking it down into a clear, methodical series of steps will make it manageable and increase your chances of success. Follow this practical walkthrough to apply for funding strategically.
Step 1: Check Your Score and Understand Your Financials. The first step is to know exactly where you stand. Obtain a current copy of your personal credit score and report. This will not only tell you your number but also show you the specific factors that are impacting it. Next, get a clear picture of your business's key financial metrics. Calculate your average monthly revenue over the last six months, your gross profit margin, and your average daily bank balance. Knowing these numbers by heart will allow you to speak confidently with lenders and quickly determine which loan products you might realistically qualify for.
Step 2: Gather Your Documentation. As outlined in the previous section, preparation is key. Before you fill out a single application, create a digital folder with all of your necessary documents. This should include the last six months of business bank statements, your most recent business tax return, your year-to-date profit and loss statement, a copy of your government-issued ID, and your business's voided check. Having everything in one place will save you immense time and stress once you begin the application process, which can often be very fast-paced with online lenders.
Step 3: Research and Compare Lenders Strategically. Not all lenders are the same, especially in the bad credit space. Your goal is to find a reputable lender that specializes in working with businesses like yours. Look for lenders who are transparent about their credit score requirements, revenue minimums, and the types of industries they serve. Read reviews and look for testimonials from other business owners. When you compare offers, look beyond the interest rate. Consider the total cost of the loan (the APR), the repayment term, the payment frequency (daily, weekly, or monthly), and whether there are any prepayment penalties. A loan with a slightly higher rate but a more manageable payment schedule might be a better choice for your cash flow.
Step 4: Apply Strategically. Avoid the "shotgun" approach of applying to a dozen lenders at once. Every formal loan application can result in a hard inquiry on your credit report, and too many hard inquiries in a short period can lower your score even further. Instead, start with one or two lenders that seem like the best fit based on your research. It is often beneficial to work with a lending partner like Crestmont Capital, which has a network of funding sources. This allows you to fill out a single application and have an advisor match you with the most suitable option, minimizing the impact on your credit. Be completely honest and accurate on your application. Misrepresenting information is a quick way to get an automatic denial.
At Crestmont Capital, we believe that a credit score is just a number; it does not tell the whole story of your business. We specialize in providing accessible financing solutions for small business owners who have been turned away by traditional banks. Our entire process is built around understanding the true health of your business and finding a funding option that aligns with your goals, even if your personal credit is in the poor range. We have proudly earned our rating as the #1 business lender in the country by looking beyond the score and focusing on what truly matters: your company's potential.
One of the biggest hurdles for business owners with credit issues is simply meeting the minimum requirements. That is why we work with business owners who have personal credit scores as low as 500. We understand that a past financial challenge, a medical issue, or a divorce can impact a credit score for years, and we do not believe that should prevent a fundamentally strong business from accessing the capital it needs to grow. Instead of fixating on your FICO score, our dedicated advisors dive deep into your business's performance, prioritizing factors like your recent revenue and daily cash flow.
Speed and efficiency are critical when a business opportunity or an urgent need arises. Our application process is designed to be fast and straightforward. You can apply online in minutes, and because we use advanced technology to review your financial data, we can often provide a decision and a range of offers within hours, not weeks. Once you are approved and accept an offer, funding can be deposited into your business bank account in as little as 24 hours. This speed allows you to solve problems and seize opportunities without the lengthy delays and mountains of paperwork associated with traditional lending.
Perhaps most importantly, when you work with Crestmont Capital, you are not just a number in a system. You will be paired with a dedicated funding advisor who will act as your partner throughout the process. This advisor will take the time to understand your specific situation, explain your options in clear terms, and help you choose the loan product with the most flexible and manageable terms for your business. We are committed to transparency and building long-term relationships, helping you secure the capital you need today and build a stronger financial future for tomorrow.
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Apply Now →To better illustrate how this works in practice, let's look at a few examples of businesses with bad credit that successfully secured funding and put it to work.
Scenario 1: The Restaurant Renovation. Maria owned a popular local Italian restaurant that had been in business for five years. Her personal credit score was 540 due to some medical debts she incurred a few years prior. Her walk-in freezer suddenly failed, and she needed $25,000 immediately to replace it before she lost thousands of dollars in inventory. A traditional bank loan was not an option. Maria's restaurant, however, had strong and consistent monthly revenues of over $60,000, which were clearly documented in her bank statements. She applied for an unsecured working capital loan. The lender focused on her strong cash flow and time in business, approved her for the loan, and funded her account in 48 hours. Maria replaced the freezer, saved her inventory, and continued operating without missing a beat.
Scenario 2: The Trucking Company's Expansion. David runs a small trucking company with three trucks and has been in business for two years. His credit score was 565 after a difficult first year in business. He had a major opportunity to take on a new, lucrative contract but needed a fourth truck to service the route, which cost $70,000. Because he was purchasing a physical asset, he applied for equipment financing. The lender was less concerned with his personal credit score because the truck itself served as collateral for the loan. They approved the financing based on the value of the truck and his business's existing contracts. David acquired the new truck, took on the contract, and significantly increased his company's monthly revenue.
Scenario 3: The E-commerce Store's Inventory Crunch. Sarah runs an online retail boutique and has a credit score of 520. Her business is seasonal, with a huge spike in sales during the holiday season. To prepare, she needed $15,000 to purchase inventory in September, but her cash flow was tight during the slower summer months. Her business's primary source of revenue was from online credit card sales. She applied for a merchant cash advance. The provider analyzed her past sales data, saw the predictable holiday surge, and approved her for a $15,000 advance. They took a small, fixed percentage of her daily sales. As her sales boomed from November to December, she was able to repay the advance quickly. The funding allowed her to stock up and have her most profitable quarter ever.
Securing a business loan when you have bad credit is more than just a short-term solution for a cash flow problem; it is a powerful opportunity to rebuild your financial standing for the future. By managing this new debt responsibly, you can begin to demonstrate creditworthiness and lay the groundwork for accessing better, more affordable financing down the road. It requires discipline and a strategic mindset.
The single most important action you can take is to make every single payment on time, without exception. This is the foundation of any credit-building effort. Set up automatic payments from your business bank account to ensure you never miss a due date. Consistent, on-time payments are the number one factor that positively influences both personal and business credit scores. Each successful payment is a new, positive data point that starts to outweigh the negative items from your past.
It is also important to understand if and how your lender reports your payment history. Some business lenders report your payments to the commercial credit bureaus like Dun & Bradstreet, which helps build your business credit profile. A strong business credit score can eventually help you separate your business and personal finances, allowing your company to qualify for credit on its own merits. Other lenders may report to the personal credit bureaus, which can directly help improve your FICO score. When comparing loan offers, do not be afraid to ask the lender about their credit reporting policies.
Once you have successfully paid off your initial loan, you will be in a much stronger position. You will have established a positive payment history with that lender, making you a "proven" borrower in their eyes. This can make you eligible for a second, larger loan or a renewal with more favorable terms and a lower interest rate. Over time, as you successfully manage and pay off successive financing products, and as your FICO score improves from on-time payments, you will gradually "graduate" to higher-quality tiers of funding. The short-term, high-rate loan you take today can be the stepping stone to a traditional, low-interest bank loan a few years from now.
The path to securing a business loan with bad credit is filled with potential pitfalls. Being aware of these common mistakes can help you avoid costly errors that could hurt your chances of approval or lock you into an unfavorable deal.
1. Applying to Too Many Lenders at Once. In a state of panic, many business owners blast out applications to every lender they can find online. This is a critical error. Most of these applications will trigger a hard credit inquiry. A flurry of hard inquiries in a short time can lower your credit score further and make you look desperate to lenders, who may deny you on that basis alone. Be strategic and selective.
2. Not Checking Your Credit Score First. Going into the process blind is a recipe for wasted time and frustration. If you do not know your credit score and the details on your report, you cannot target the right lenders or speak intelligently about your situation. You might apply for loans you have no chance of getting, leading to unnecessary denials and credit inquiries.
3. Ignoring the Total Cost of Borrowing. Many bad credit financing options, like MCAs, use a "factor rate" instead of an APR. A 1.30 factor rate might sound low, but on a short-term loan, it can translate to a very high APR. It is essential to understand all the fees involved and calculate the total payback amount. Do not just focus on the lump sum you receive; focus on what it will truly cost your business over the life of the loan.
4. Not Having a Clear Plan for the Funds. Lenders want to see that you have a specific, productive use for the capital that will generate a return. Vague requests for "working capital" are less compelling than a detailed plan, such as "I need $20,000 to purchase a new piece of equipment that will increase our production capacity by 30%." A clear plan shows you are a serious business operator.
5. Misrepresenting Information on Your Application. It can be tempting to inflate your revenue figures or omit certain debts to look like a better candidate. Do not do it. Lenders use sophisticated technology and data verification services. They will uncover any discrepancies, and when they do, your application will be immediately denied. Honesty and transparency are always the best policy.
6. Overlooking Prepayment Penalties. Some loans come with penalties if you try to pay them off early. This can negate the savings you would otherwise get from early repayment. Always ask if a loan has prepayment penalties and factor that into your decision, especially if you anticipate being able to pay the loan off ahead of schedule.
Most traditional banks require a credit score of 680 or higher. Alternative lenders like Crestmont Capital work with credit scores as low as 500. Your credit score is just one factor - your revenue and cash flow matter equally.
Yes. Many alternative lenders accept scores as low as 500. While rates will be higher, you can still access capital. Crestmont Capital evaluates your business's revenue and cash flow as primary factors, making approval possible even with a low score.
The most accessible options with bad credit include merchant cash advances, revenue-based financing, equipment financing (secured by the equipment), invoice financing (based on client creditworthiness), and unsecured working capital loans from alternative lenders.
Yes, especially for small businesses and sole proprietors. Most lenders check your personal credit score. Building both personal and business credit is important, but alternative lenders weigh your business's revenue and cash flow more heavily than traditional banks do.
Alternative lenders can approve and fund your loan within 24 to 72 hours. Traditional banks may take weeks or months. At Crestmont Capital, decisions are often made the same day, with funds available in as little as 24 hours after approval.
You typically need 3-6 months of business bank statements, proof of business identity, a government-issued ID, and your most recent tax returns. Some lenders may also request a profit and loss statement or information about outstanding debts.
Pre-qualification often uses a soft pull which does not affect your score. A full application typically involves a hard inquiry, which may temporarily lower your score by a few points. Avoid applying to many lenders simultaneously to minimize this impact.
Yes, it is possible. Most alternative lenders require the bankruptcy to be discharged for at least 1-2 years. Demonstrating strong revenue and stable cash flow since the bankruptcy significantly improves your chances of approval.
Loan amounts typically range from $5,000 to $500,000 depending on your revenue, time in business, and loan type. Strong monthly revenue can significantly increase what you qualify for, even with a low credit score.
Expect higher rates than good-credit borrowers. APRs can range from 15% to 80% or more depending on the loan type and your business profile. Always calculate the total repayment amount to understand the true cost of borrowing.
Not always. Merchant cash advances and working capital loans are typically unsecured. Equipment financing is secured by the equipment itself. Providing collateral can improve your terms and increase approval odds for larger loan amounts.
Show consistent, strong revenue in bank statements. Maintain a healthy daily bank balance. Correct errors on your credit report. Reduce outstanding debt. Apply with lenders that specialize in bad credit - like Crestmont Capital - rather than traditional banks.
A merchant cash advance provides a lump sum repaid through a percentage of daily credit card sales - no fixed payment schedule. A business loan has fixed payments over a set term. MCAs are faster and easier to qualify for but often have higher effective costs.
Yes. Making consistent on-time payments on your business loan helps rebuild your credit over time. Some lenders report payments to credit bureaus. Each successful payoff demonstrates responsible credit management and gradually improves your score.
Avoid lenders who guarantee approval without reviewing your application, require large upfront fees before funding, or use high-pressure tactics. Verify lenders through the Better Business Bureau. Always read the full loan agreement and understand all fees before signing.
A bad credit score can feel like a closed door, but it is not the end of the road for your business's financing journey. The key is to shift your focus from traditional banks to the world of alternative lending, where business performance, revenue, and cash flow reign supreme. By understanding the available loan types, preparing your documents, and strategically presenting your business's strengths, you can successfully navigate the process. Learning how to get a business loan with bad credit is about empowerment, proving that your company's future is defined by its potential, not by past financial mistakes. If you are ready to take the next step and see what your business qualifies for, contact Crestmont Capital today or fill out our simple online application to get started.
Disclaimer: The information provided in this article is for general educational purposes only and is not financial, legal, or tax advice. Funding terms, qualifications, and product availability may vary and are subject to change without notice. Crestmont Capital does not guarantee approval, rates, or specific outcomes. For personalized information about your business funding options, contact our team directly.