Working capital loans are the easiest route to approval for small business and especially so for business owners with bad credit. Most working capital lenders have a minimum FICO score of around 500 or more… but with strong bank deposit history, credit scores as low as the high 400′s are often approved. The key is to work with a company that has a Starter Business Loan program. These programs often allow small businesses to build credit and improve their credit-limits and terms, over time, with good performance. For the best credit scores, simple interest rates can be as low as 12.99%. There are also bad credit cash advances, as well as programs with rates/terms in between.