A bad credit score is a score between 300 and 629 (on a scale of 300 to 800), according to NerdWallet’s general guidelines. If a bad credit business loan meets these criteria, it’s likely a viable choice. Our 2026 list of the best business loans for bad creditThese are the best of the best in 2026. ( Accion has the highest credit score requirement on this list (you will need a credit score of at leastto quality), but if you can meet the minimum there are several benefits to working with this lender. Where Accion falls shortAs I mentioned, Accion’s credit score requirement is on the higher end of the bad credit scale, meaning not all bad credit borrowers will qualify for this option.