Reliable Short-Term Business Funding Solutions

Magenta’s funding is based on your business's revenue rather than your credit score. We make it accessible to businesses with diverse financial backgrounds.

This allows you to secure the capital needed to maintain operations without the restrictions of traditional loans. With a fast approval process, you can plan your finances confidently while keeping your business running smoothly.

1+ year

In business (varies by industry)

Credit score

No minimum required

Revenue

$15K+ monthly (varies by industry)

Bank account

Active business account

Reliable Business Funding Solutions for Bad Credit

Magenta offers an alternative to traditional loans by focusing on your business's revenue rather than your credit score. This means that businesses with bad credit can still qualify for funding based on their ability to generate income. With this approach, we can help you maintain and grow your business, even during tough times.

If your business needs funding but your credit score limits your options, our bad credit business finance solutions could be exactly what you need. Our flexible options allow you to pay according to your monthly revenue. We make it easier to manage payments without stressing your cash flow.

Short-term business funding is an ideal option when your business faces immediate financial needs, but you do not want to take on long-term debt. This financing can help with a wide variety of expenses, such as purchasing inventory, covering unexpected repairs, managing seasonal downturns, or seizing a time-sensitive opportunity.

For small business owners who may not qualify for traditional financing due to bad credit or other factors, this type of financing offers a lifeline.

Additionally, short-term business funding is flexible. If your business faces slower months, you can adjust payments according to your revenue. This makes it a smart choice for those seeking to maintain stability without the pressure of fixed monthly payments. It also allows for more consistent access to cash throughout the year, rather than receiving one large lump sum.

Retail business funding

Including grocery stores, clothing boutiques, and specialty retail shops.

Restaurant funding

Supports dine-in, fast-food, quick-service, and catering businesses.

Pharmacy Funding

Independent pharmacies and compounding pharmacies managing inventory and operations.

Nail Salon Funding

Nail salons and beauty studios looking to expand services or upgrade equipment.

Automotive Parts Sales Funding

Auto parts retailers and distributors managing inventory and supply chain costs.

Healthcare Funding

Serving medical offices, physical therapy clinics, and specialty healthcare providers.

Plumbing Business Funding

Plumbing contractors covering equipment, materials, and operational cash flow gaps.

Electrical Contractor Funding

Electrical businesses managing project costs, payroll, and equipment upgrades.

HVAC Business Funding

HVAC companies handling seasonal demand, equipment purchases, and crew expansion.

Application:

Start by completing a straightforward application. We do not requrement a minimum credit score. Instead, we assess your monthly revenue to determine the amount of funding your business qualifies for.

Offer:

Once we have reviewed your application, we will give you a tailored offer. You will know exactly how much funding you can receive and the terms of repayment. Our offers are clear and easy to understand.

Repayment:

Repayments are tied to your monthly revenue. This means if your income fluctuates, your payments can adjust accordingly. While your terms remain fixed, the flexibility in payment amounts helps you stay on track.

Features

Magenta

Most Banks

Traditional Credit Lines

National Funding

High Approval Rate

No Minimum Credit Score Required

Flexible Payments Based on Revenue

Fast Funding Time

Minimal Paperwork

No Collateral Required

Up to $250K Available

Renewable Capital Access

Average Monthly Revenue

$0 $50K $100K $150K $200K $250K+

Desired Term (Months)

1 3 6 9 12

My credit is...

Low (430–579)

Average (580–639)

Good (640–689)

Excellent (690–720+)

You could be eligible for

$89,000

$2,853

Thanks Mikey and Team!

Mikey (& everyone else) has been super personable, understanding, and reassuring. In contrast, other lenders were pushy and even felt predatory in nature. Super happy with Mikey's and Magenta's service so far and looking forward to building a relationship with Magenta!

Exceptional Company!!

Joshua and the team were great in assisting me with funding my business. Magenta funding in a whole is trustworthy, attentive and an absolute pleasure to work with! I received my funding the next day as promised. Keep up the good work, this company will go far and exceed expectations.

Outstanding Company

This is the best company I have encountered in the business lending space. Great customer service and truly tailored offers for their clients. Highly recommend!!

Grateful

Life is filled with unexpected twists and turns . We encounter strangers who become angels in disguise, offering help and trust . Thank you,Josh, for your hard work and trust . Your honest , professional , and kind work ethic is beyond . Thank you Josh & Magenta funding

Exceptional Service

Exceptional Service from Josh at Magenta!

I had a fantastic experience working with Josh. From start to finish, he went above and beyond to make sure everything was smooth and clear. It’s rare to come across someone so genuinely helpful, professional, and personable. Josh made the entire process feel easy and stress-free, and I truly appreciated the time and care he put into everything. If you're looking for top-notch service and someone who truly values their customers, Josh is your guy!

Look to Magenta!

Everyone at Magenta was kind, professional, knowledgeable, and extremely supportive. I highly recommend Magenta. They take the time to thoroughly explain everything, so there’s no gotchas or surprises! If you are searching for small business funding, look to Magenta!

Magenta is the right choice for small business owners seeking short-term business funding. We make the process easy and fast, with no minimum credit score requirement.

Instead, we focus on your revenue. This allows businesses with bad credit or less-than-perfect histories to qualify for financing.

Our funding solutions are flexible and based on your cash flow — not your credit score. We don’t burden you with rigid fixed payments or inflated costs. Since you’re working directly with the source of capital, there are no brokers or third-party fees driving up your cost of capital. Instead, you get a clear, simple repayment structure that adjusts with your revenue — plus the benefit of early repayment discounts.

Furthermore, we assign a dedicated funding advisor to help guide you through the process and make sure that your funding needs are met quickly and efficiently.

If you have any inquiries about our short-term business funding solutions, feel free to contact us today.