Micro Business Loans Bad Credit

micro business loans bad credit

Micro Business Loans Bad Credit

If you want to access capital you’ve never had access to, this is the most important post you’ll ever read

Here’s why

Have you noticed an increase in small business owners looking for micro loans to take on their next project? Perhaps you or someone you know could desperately need just a few thousand bucks and you could make a huge jump in your business…

When we got started in the small business financing business we had one pretty clear cut goal…provide an alternative lending option for small business owners. We’ve invested hundred’s of thousand’s of dollars in securing the funding that small business owners need issuing millions of dollars….across more than 24 industries.

Luckily…so far… we’ve succeeded.

The micro business loan niche is a niche that fills a massive void in the market place for small business owners. Especially if you’re looking for a bad credit business loan. You may be wondering…Can I really get financing with bad credit?

Here’s How It Works

When you spend hundred’s of thousands of dollars in securing funding solutions, you’re going to figure out EXACTLY how the funding world really works. (It took several months to lock it down).

But funding isn’t the big discovery.

The big discovery is how we ultimately cracked the code on providing micros business loans to business owners with bad credit… over and over again.

Over 21 Lending Institutions Provide
Every Solution Possible

In the past 12 months we have performed hundreds of loans across 24 industries… and they’ve all boiled down to one thing.

No matter how long you’ve been in business, or what your business structure is, or even how dirty you’re bank statements are… there is a lender out there that will provide you withfinancing.

In fact, after completing hundreds of loans, and analyzing thousands of business bank statements we’ve been able to…

Offer Guaranteed Access to Cash
Within 48 Hours

Now here’s what is really amazing.

Even though the process is fairly simple:

Not everyone will qualify… but it’s not due to bad credit...

No… there’s really only two things that can prevent you from not receiving micro business loans bad credit alternatives….  it’s time in business and amount of revenue deposited.

We’re Here To Unveil This Exact Process

In case we haven’t met, my name is Nick Bentley and I’m the founder and Managing Partner here at Bentley Capital Ventures.

If you’re in business and you use the internet to search for financing, there’s a pretty good chance you’ve seen our company.

Every year we help hundred of business owners access capital so they can grow their company…over and over again.

And we do this with one simple step: complete a one page app and look at 3 months bank statements…

That’s it… seriously (lol)

If you’re in the business of needing some micro business loans bad credit alternatives… you’re in the right place.

See, we know business owners who need cash, need it yesterday. And waiting around for a traditional lending options like an SBA can mean the difference between success and failure in your business.

This is where we put our system to work for you

Between our network of lenders, providing a financing solution within 48 hours (usually waaaaaay before that) is simple. There’s a formulaic process that each business owner goes through to determine which bank you qualify with.

Without this process you will grow
grey hairs trying to figure it out

In fact, your friends might start calling you the “silver fox” (LOL)

The Investment That Turned $32,400 into $152,604 in 5 months

Richard G. from Arkansas owns and operates one of the best BBQ places in all of Little Rock. (seriously I’ve been there!). His business was performing wonderfully at a steady $50-60K a month (very well for a BBQ restaurant). He has about 2500 sq feet 12 employees and the drive that would make anyone successful.

But there was a problem

Rich had terrible credit. Below 550. Been turned down by the bank.

$27,500 needed “like yesterday” is no loan you can ask mom and dad for. Dwindled down to no hope Rich reluctantly picked up the phone and spoke with one of our senior funding officers. To his surprise he had his $27,500 offer in 6 hours.

Here’s Why It Made Sense For Rich

See micro business loans need to have an objective.

You need to be able to secure the funding so you can invest in your next marketing funnel, buy a piece of equipment, hire personnel…. Something that will provide you a return.

Rich was able to do that. With the $27,500 he knocked out a wall, installed an additional pit, and was able to hire a new chef. In addition he was able to add 5 new tables to increase his customer based. When all was said and done Rich increased his monthly revenue tremendously and had a 471% ROI…WOW

This is not for everyone.
Here’s who I CAN Help:

Here it is:

1. You have to have a solid business already. Startup financing is non existent. You’re business needs to be open, operating under an EIN for a minimum of 6 months.

2. You must have consistent cash flow of a minimum of $10,000 in deposits each month. The fact is, if you’re not generating more than $10,000 in revenue you’re not in business… you have a hobby.

3. You cannot be in the “get rich quick” or porn industry

Those industries are a disaster waiting to happen and we’re not going anywhere near them.

I don’t care how lucrative it may be

So if you’re not compliant with FTC guidelines and regulations or your selling porn or something like that, we can’t help you.

But if you’re providing your marketplace with a good product or service.. at a good value, we can help take your business to the next level

Here’s What I Want You To Do Next

If you meet the criteria above and would like to talk to one of my company financial managers personally about delivering cash into the bank account within 48 hours, then I’ll happily set aside some time for you.

Here’s how the process works

First, you’ll need to fill in an application. Don’t worry, it’s simple and unobtrusive. I just need to know a little bit of information about your business to get an idea of where we need to place your loan.

I’m also going to ask you to have the last 4 months of bank statements and/or processing statements ready to submit.

Here’s What Will Happen After That

Once we receive your documents, One of my finance officers will contact you and discuss the details.

Our team is by far the most qualified in the industry to talk to you about your needs and how we can help. (Trust me… there’s a lot of sleazeballs in this industry). You’re initial call will be a few minutes to discuss what you’re looking for.

We will then go out and get the highest possible approval you will qualify for in the lending world… we wok with the best and biggest private lenders in the United States of America.

We’ll Get You Funded And We’ll Get You Funded Within 2 Days

You literally can’t lose.

You’ll have options in front of you in no time and you can make a business decision.


This opportunity is extremely limited due to the way investors invest their money. If you not going to take advantage of the amount of money we’re able to provide you, someone else will be able to get micro business loans. Remember bad credit is OK.

If you feel like this is right for you, click here, fill out the application and email your set of bank statements to docs@bentleycapitalventures.com. and let’s talk

Talk Soon,

Nick Bentley

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  • herb andrews

    Reply Reply March 4, 2014

    This could work what is the next step

    • Nick Bentley

      Reply Reply March 5, 2014


      You’re best bet it to contact a funding manager at 855 249 2050. We can discuss your particular situation. Or if you would like, you can click the link above in the post to fill out the application. Then forward that in with you last 4 months bank statements and we can have answers for you within a few hours.

      Thanks Herb!

      We look forward to working with you.


    Reply Reply March 4, 2014


    +54911 31 36 29 22

    • Nick Bentley

      Reply Reply March 5, 2014

      Eduardo- Unfortunately our micro loans only exist for business owners within the United States. The only lending we do outside of the United States is in the energy and real estate market upwards of 25MM.

  • Lawrence T Eaton Sr

    Reply Reply March 4, 2014

    Hello iam in need of a loan for 50,0000 and i have projections with a business plan.

    • Nick Bentley

      Reply Reply March 5, 2014

      Lawrence- Thanks for reaching out. your best bet is contacting our office directly at 855 249 2050 or shoot us an email to support@bentleycapitalventures.com. Tell us a little bit more about your business and we can discuss your options.

  • Dincent bw

    Reply Reply March 5, 2014

    Why is it not a platform for those hobby people hoping to grow , with capital. Sounds like all , the same. Group funding? Search it.

    • Nick Bentley

      Reply Reply March 5, 2014

      Dincent, our funding is by private investors. The relationships we’ve built up help leverage our loan size and term for all the business owners we work with.

  • kevin booth

    Reply Reply March 5, 2014

    Starting my second year at a perminant location this year, could use funding for product to get started, i work fulltime n run another business too. If able to help please call n lev a vm at 7176890008. Thanks

    • Nick Bentley

      Reply Reply March 5, 2014

      Kevin, we will be reaching out to you soon. You can always give us a call as well at 855 249 2050. Thanks for reaching out to us.

  • Juan Casarrubias

    Reply Reply March 6, 2014

    Loan is needed to buy equipment and to have a capital cushion for payroll running construction jobs and warehouse lease.

  • brett rossi

    Reply Reply March 7, 2014

    Have any arguments about me writing this on my twitter?

    • Nick Bentley

      Reply Reply March 7, 2014

      Brett- No problem at all. Feel free to share this with whomever you like.

  • charles grissom

    Reply Reply March 13, 2014

    Nick, I have had my dental laboratory open since May 2013 we are an LLC,800#,411 listing , website ,business checking we lease space not a home business BUT my personal credit sucks. Divorce laid off you know! We don’t deposit 10000 but I consider this more than a hobby as we are growing but I cant take on more work because right now I pay for all material up front . any programs for people like me kinda stuck in the middle. We have been in the industry for a combined 49 years. Thank you!!

    • Nick Bentley

      Reply Reply March 17, 2014

      Charles, If you’re looking for financing and you’re not depositing more than $10K a month financing is tough. Startup funding is very difficult to come by now adays without an angel investor, or someone who wants a piece of your business.

  • Shay

    Reply Reply March 14, 2014

    I’ve been in business full-time for the last 3 years and it’s far from a hobby, it’s my sole source of income. Unfortunately, I do not have $10K in monthly sales income. Every piece of equipment, marketing tools, travel, client meals and signature events have been out of pocket. It sure would be nice to have assistance for my next event and upcoming projects. Looking forward to hearing from you.

    • Nick Bentley

      Reply Reply March 18, 2014

      Shay- thanks for reaching out. Please contact our office to speak with someone about event financing. 855 249 2050

  • Tressa

    Reply Reply March 21, 2014

    I thought this post was good. Thanks for the information

  • Omil

    Reply Reply May 23, 2014

    Nick, I filled the application and sent. You received for business loan?

  • Teffany

    Reply Reply August 8, 2014

    Hi we have been in business for more around 6 months it family run and together with all involved we make enough to cover a sizable loan for our business but individually our credit is bad due all being hit hard with layoffs and the like however we need a but of money to cover the expense that are coming up and we would love some seed money to get off the ground.

    My number is 954-643-xxxx

    Any hope or help for us.

  • rico fojas

    Reply Reply November 17, 2014

    hi I need a loan of 9,000 to buy the hot dog and other expenses like business permits and health permits

  • Nick Bentley

    Reply Reply November 17, 2014


    We’d love to help you get financing for your hot dog cart. Please contact one our our business funding consultants at 855 249 2050

  • Mya

    Reply Reply January 7, 2015

    Does the $10k/month rule apply even to smaller loans? I know your example is a loan of over $20k for the BBQ restaurant, but say you only need a few thousand, do any of the requirements change? Thanks!

    • Nick Bentley

      Reply Reply January 19, 2015

      Mya- great question and thanks for your comment. The $10k/month rule is a guideline that can be broken from time to time. For instance, we’d funded businesses that only deposit $7,500. The problem is, these are starter loans of maybe a few thousand bucks. A few thousand bucks isn’t a lot of money to help a business in a big way. We typically like to see active businesses that are growing. $10,000 a month is great for the single operator but if that company has 5-6 employees, money can be very tight so yes, it does vary.

  • Thomas

    Reply Reply January 7, 2015

    You’re right: waiting for traditional lending options to go through is just not realistic in many cases. If someone needs a loan, in my experience it usually means they don’t have months to sit around and wait for it to come. These options here really are life-savers for small business owners.

  • Nicholas

    Reply Reply January 7, 2015

    The fact that I can get a business loan with bad personal credit kind of blows my mind. I never even assumed that it could be an option or that a lender could look at a business and the owner as two independent things. It’s good to be aware of, should I ever need some help in the future.

    • Nick Bentley

      Reply Reply January 19, 2015

      Nicholas, thanks for your comment. We believe business owners should be able to access capital regardless of personal credit. Business risks should not be 100% correlated to a person’s personal credit score. This allows the business owner to grow their business and their community.

  • Ryan

    Reply Reply January 7, 2015

    It’s a little confusing to me when it says that on one hand, there are people who will give you a loan regardless of time in business, but on the other hand, one of the two things that can prevent you from receiving a micro business loan is time in business. Is it that you just have to find the right lender? I imagine that some would be more relaxed in their requirements than others.

    • Nick Bentley

      Reply Reply January 19, 2015

      Ryan great question. Let me clarify. You must be in business for a minimum of 6 months to receive a business loan. Here’s the reason: micro business loans are based on steady consistent cash flows. If you’re not around for a minimum of 6 months it’s hard a lender to project where sales might be based on past business. Great question though. You can read all about revenue based loans in our definitive guide.

  • Melissa

    Reply Reply January 7, 2015

    I believe you when you say there are a lot of sleazy people in this industry, I’ve dealt with a few of them myself! Thanks for your transparency and the additional help and information that you provide us through your blog – it’s appreciated!

  • Christina

    Reply Reply January 7, 2015

    It seems to me that new businesses are the ones that need the most help getting off of their feet, so although I completely understand why a lender would take time in business into account, it almost seems like the ones who may need a loan the most don’t have access to it. But like I said, I do realize why it makes more sense for the lender to prefer already established businesses; they’re probably much more likely to be able to repay.

    • Nick Bentley

      Reply Reply January 19, 2015

      Christina- thank you for your comment. Everything in lending is about risk for the lender. If the lender believes the business has a low risk, they will typically offer a higher approval. However, if someone is asking for a loan and has declining bank statements, and is losing customers, as a lender, it’s tough to see that as low risk. You can read about what can kill a revenue based loan here.

  • Jacob

    Reply Reply January 7, 2015

    How can lenders be so confident in giving loans to someone with less than ideal credit? I think it’s wonderful that they do, that you said that no matter your business structure/time in business/bank statement there is still someone who will provide you with a loan, but it seems to be a risk on the lenders part. Regardless, owning a small business isn’t easy and I think it’s great that there are lenders who will help anyone.

    • Nick Bentley

      Reply Reply January 15, 2015

      Jacob, great question. Our lenders base their underwriting on the businesses strengths not necessarily the business owners personal history. This allows the business owner to access capital regardless of their personal history.

  • Marilyn

    Reply Reply January 7, 2015

    Thank you for making this type of help available for people with bad credit! I had considered going to my bank for a loan but I don’t think they’d even consider me. That alternative lenders won’t judge a business by it’s owner’s credit is a relief.

    • Nick Bentley

      Reply Reply January 15, 2015

      Marilyn, thanks for your comment. We don’t believe personal credit should have bearing on business risk either!


    Reply Reply January 14, 2015

    Dear Mr. Bentley,
    I have a school to train students to become nurse aides and to be employ in the health care setting after completion of the course. I have been in business for 9 years. For the last 5 years, business has been roller coaster. I don’t make $10,000.00 per month but some months I made more depending on the number of students enrolled in the program. I need a working capital of ($10,000-$15,000.00) to maintain this business and to introduce other programs to generate more revenue. My credit score is poor. Please help.

    • Nick Bentley

      Reply Reply January 15, 2015

      Hey Gifty, we’d love to help you. Please contact our office at 855 249 2050 to speak with someone that will be able to help. We can help business owners get a bad credit business loan within a few short days. Thanks!

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