{"id":841,"date":"2024-07-08T14:48:44","date_gmt":"2024-07-08T14:48:44","guid":{"rendered":"https:\/\/www.fatcatloans.ca\/blog\/?p=841"},"modified":"2026-04-10T14:13:36","modified_gmt":"2026-04-10T14:13:36","slug":"small-business-loans-in-canada-with-bad-credit","status":"publish","type":"post","link":"https:\/\/www.fatcatloans.ca\/blog\/small-business-loans-in-canada-with-bad-credit\/","title":{"rendered":"Small Business Loans Canada Bad Credit: Finding Options"},"content":{"rendered":"<h2>Finding Small Business Loans In Canada With Bad Credit<\/h2>\n<p><em>Updated April 2026<\/em><\/p>\n<p>When looking into loans for small businesses in Canada, especially with bad credit, it&#8217;s really important to get the hang of how <a href=\"https:\/\/www.fatcatloans.ca\/blog\/improve-credit-score-canada\/\"><strong>credit scores<\/strong><\/a> work and what your options are. Poor credit can make getting a loan harder, but there are different kinds of loans out there. This guide is here to help you understand how you can still get financing despite having bad credit by exploring other ways to borrow money and tips on making yourself look better to lenders. We&#8217;re diving into the world of business financing for entrepreneurs who have challenges with their credit history.<\/p>\n<hr \/>\n<h2>Small Business Loans in Canada with Bad Credit: What to Know<\/h2>\n<ul>\n<li>Landing a small business loan in Canada when you have bad credit might be tough, but it&#8217;s definitely not out of the question.<\/li>\n<li>With bad credit, your loan conditions and interest rates may not be as favourable, often leading to higher costs and stricter rules on paying back what you owe.<\/li>\n<li>For small business owners, getting why bad credit affects your chances for business financing is key.<\/li>\n<li>There are various kinds of loans that folks with less-than-perfect credit can get their hands on. This includes both secured and <strong><a href=\"https:\/\/www.fatcatloans.ca\/blog\/unsecured-loans-bad-credit-canada\/\">unsecured options<\/a><\/strong>.<\/li>\n<li>If quick cash is what you&#8217;re after because of a tight spot, merchant cash advances could really help out businesses struggling with poor credit scores.<\/li>\n<li>Looking around at different lenders and what they offer is crucial to nail down the best way to meet your needs for funding.<\/li>\n<\/ul>\n<hr \/>\n<h2>Understanding Bad Credit and Its Impact on Business Financing<\/h2>\n<p>When a business has bad credit, it means its credit history isn&#8217;t strong.<\/p>\n<p>This can make it harder to qualify for financing in Canada. Even if approved, loan terms may include higher interest rates and stricter repayment conditions.<\/p>\n<p>For small business owners trying to maintain operations or fund growth, understanding how bad credit affects financing can make it easier to compare options and make informed decisions.<\/p>\n<p><a href=\"https:\/\/cmi.rocks\/go\/6527bc4270dbc\" target=\"_blank\" rel=\"nofollow noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1206 size-large\" src=\"https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1024x229.png\" alt=\"Apply for a small business loan in Canada.\" width=\"840\" height=\"188\" srcset=\"https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1024x229.png 1024w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-300x67.png 300w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-768x171.png 768w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1536x343.png 1536w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-2048x457.png 2048w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1200x268.png 1200w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" \/><\/a><\/p>\n<hr \/>\n<h2>Types of Small Business Loans Available for Bad Credit in Canada<\/h2>\n<p>Here are some choices that could be helpful for small businesses in Canada that might not have great credit but still need access to funding.<\/p>\n<div class=\"table-responsive\">\n<table class=\"table\">\n<thead>\n<tr>\n<th>Loan Type<\/th>\n<th>How It Works<\/th>\n<th>Best For<\/th>\n<th>Key Consideration<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Secured Loans<\/td>\n<td>Backed by collateral like property or equipment<\/td>\n<td>Lower rates if you have assets<\/td>\n<td>Risk of losing assets if you default<\/td>\n<\/tr>\n<tr>\n<td>Unsecured Loans<\/td>\n<td>No collateral required<\/td>\n<td>Businesses without assets<\/td>\n<td>Higher interest rates<\/td>\n<\/tr>\n<tr>\n<td>Merchant Cash Advance<\/td>\n<td>Repayment based on future sales<\/td>\n<td>Fast access to cash<\/td>\n<td>Can be expensive<\/td>\n<\/tr>\n<tr>\n<td>Invoice Financing<\/td>\n<td>Borrow against unpaid invoices<\/td>\n<td>Cash flow gaps<\/td>\n<td>Depends on customer payments<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>Secured vs. Unsecured Loans: What&#8217;s the Difference?<\/h3>\n<ul>\n<li>When you go for a secured loan, it means you&#8217;re putting something valuable of yours on the line as collateral. This could be your house or car, which makes lenders more comfortable and often leads to lower interest rates for you. However, there&#8217;s a catch: if you can&#8217;t pay back the loan, they have the right to take what you put up as collateral.<\/li>\n<li>With an unsecured loan, there&#8217;s no need to offer anything as security. While this sounds great because your assets are safe even if things go south with repayments, it usually comes at a cost &#8211; higher interest rates.<\/li>\n<\/ul>\n<p>Knowing these differences is crucial when deciding which type of loan fits your needs best.<\/p>\n<h3>Merchant Cash Advances for Immediate Funding Needs<\/h3>\n<p>Merchant cash advances are a fast way to get money for businesses that really need it. Instead of waiting around like you would with regular loans, these give you quick access to funds by looking at what you&#8217;ll probably make from credit card sales in the future. For small businesses that might not have the best credit score and need help right away, this option is pretty handy. By using what they expect to earn later on, merchants can get their hands on some cash quickly to take care of urgent financial stuff or grab hold of chances to grow. Merchant cash advances come in super useful for companies aiming for a speedy and adaptable way to find funding solutions.<\/p>\n<h3>Invoice Financing as a Flexible Option for Cash Flow Management<\/h3>\n<p>Invoice financing is a handy way for small businesses to keep their cash flow smooth. It works by letting businesses get some quick cash through selling their unpaid invoices to someone who can lend them money. Basically, companies can grab about 80-90% of what the invoice is worth right away, and then the lender goes after the customer to get the rest. This method really helps when there&#8217;s a long wait between sending out an invoice and getting paid, making sure there&#8217;s enough money coming in to cover day-to-day stuff.<\/p>\n<p>One cool thing about this option is that it doesn&#8217;t just look at how good your own credit score is. Instead, it focuses on whether or not the person who owes you money has a good track record with paying bills. So even if your business has had some trouble with bad credit before, you could still use invoice financing as a lifeline. By going this route, you&#8217;re able to manage your finances better and keep up a solid business credit score which might open doors for more favourable deals down the line.<\/p>\n<hr \/>\n<h2>Evaluating Lenders Offering Bad Credit Business Loans<\/h2>\n<p>When looking for bad credit business loans, it&#8217;s really important for business owners to take a good look at all their options. Banks and credit unions might not be too keen on lending to businesses with bad credit scores. On the other hand, there are alternative lenders out there who focus on helping businesses that don&#8217;t have top-notch credit.<\/p>\n<p>Here&#8217;s what you should keep in mind when checking out lenders:<\/p>\n<ul>\n<li><strong>Interest rates<\/strong>: With bad credit, expect higher interest rates. But still, aim to find a lender whose rates aren&#8217;t through the roof compared to others.<\/li>\n<li><strong>Repayment terms<\/strong>: Look into how flexible they are with paying back the loan. If your cash flow is tight, options like longer repayment periods or smaller monthly payments can make a big difference.<\/li>\n<li><strong>Loan amounts<\/strong>: Figure out if they can give you the amount of money your business needs. It varies from one lender to another.<\/li>\n<li><strong>Customer reviews and reputation<\/strong>: Do some digging online about what other people say about them. Positive feedback from fellow business owners is always a good sign.<\/li>\n<\/ul>\n<p>By comparing lenders carefully, business owners can find funding options that better match their needs, even with bad credit. Because these loans often come with higher costs and stricter repayment terms, it\u2019s important to plan your cash flow carefully. Understanding how your income is spread throughout the year can help \u2014 our guide to <a href=\"https:\/\/www.fatcatloans.ca\/blog\/working-days-in-a-year-in-canada\/\"><strong>working days in Canada<\/strong><\/a> can give you a clearer picture when budgeting for repayments.<\/p>\n<hr \/>\n<h2>Preparing to Apply for a Bad Credit Business Loan<\/h2>\n<p>Preparing to apply for a bad credit business loan involves gathering the essential documents and understanding the application process. By being well-prepared, business owners can increase their chances of securing a loan. The process typically involves the following steps:<\/p>\n<ul>\n<li>Research and compare lenders: Start by researching and comparing lenders that offer bad credit business loans. Consider their loan options, interest rates, and repayment terms.<\/li>\n<li>Gather essential documents: Collect all the essential documents, including financial statements, business plan, business credit report, personal credit report, and bank statements. Ensure these documents are accurate and up-to-date.<\/li>\n<li>Complete the loan application: Fill out the loan application form provided by the chosen lender. Provide accurate information about the business and its financial situation.<\/li>\n<li>Submit the application: Submit the completed loan application along with the required documents to the lender. Some lenders may require additional documentation, so be prepared to provide any requested information.<\/li>\n<li>Approval process: The lender will review the application and documents to assess the business&#8217;s creditworthiness and determine loan eligibility. This process may involve a credit check and underwriting process.<\/li>\n<li>Loan approval and funding: If the application is approved, the lender will provide an offer outlining the loan terms and conditions. Read the offer carefully and make sure to understand the terms before accepting. Once accepted, the funds will be disbursed to the business.<\/li>\n<\/ul>\n<p>By understanding the application process and preparing the necessary documents, business owners can streamline the application process and increase their chances of approval for a bad credit business loan.<\/p>\n<hr \/>\n<h2>Strategies to Improve Your Credit Score and Loan Eligibility<\/h2>\n<p>To ensure long-term financial health, it&#8217;s vital for business owners to work on boosting their credit score and loan eligibility. Here are some straightforward steps they can take to better their chances of getting favourable financing in the future:<\/p>\n<ul>\n<li>Making sure you pay your bills when they&#8217;re due is key. Late payments can hurt your credit score, so always aim to pay on time.<\/li>\n<li>With credit cards, try not to use too much of your available limit. It&#8217;s best if you can keep the balance under 30% of what you&#8217;re allowed; this shows that you handle credit well.<\/li>\n<li>From time to time, go through both your personal and business credit reports carefully. If there are any mistakes, get them fixed right away as this could help boost your score.<\/li>\n<li>For businesses without much history in using credit yet, opening a business card or taking out a small loan might be helpful. Paying these back punctually will start building up a positive record.<\/li>\n<li>Keeping an eye on how high or low the company\u2019s own rating stands is crucial too\u2014aim for improvements by managing debts wisely and maintaining good habits around payment timings and borrowing amounts.<\/li>\n<\/ul>\n<p>By sticking with these methods over time, entrepreneurs stand a better chance at enhancing their scores which opens up more opportunities for loans down the line. Patience plays big here since developing solid standing financially doesn&#8217;t happen overnight but pays off significantly later with easier access to funds and nicer terms from lenders.<\/p>\n<h3>Practical Steps to Repair Business Credit<\/h3>\n<p>If your credit isn&#8217;t great, it&#8217;s really important to take steps to fix your business credit. First off, go through your credit reports carefully and fix any mistakes you find before you think about getting a loan. To help rebuild your credit, make sure to register your company with the state and open up separate checking and savings accounts for it. Also, consider getting a business credit card. Using this card wisely by paying on time and not maxing it out can slowly but surely boost your <strong>credit score<\/strong> over time. By doing these things, you show lenders that fixing up bad <strong>business<\/strong> <strong>credit<\/strong> is something you&#8217;re serious about and that they can trust lending money to someone who handles their finances responsibly.<\/p>\n<h3>Long-term Credit Building Tactics<\/h3>\n<p>To get a good credit score, it&#8217;s really important to start off on the right foot. You can do this by setting up accounts with suppliers and vendors that let credit bureaus know when you&#8217;ve made payments. By paying these bills on time, you&#8217;re showing that you&#8217;re reliable which helps build a solid credit history. Also, think about getting a business credit card but be sure to use it wisely. It\u2019s crucial to pay back what you owe every month so debt doesn&#8217;t pile up. As time goes by and if you keep up these good habits, your credit score will go up making it easier for your business to borrow money under better conditions in the future. Just remember building good credit isn\u2019t something that happens overnight; it needs patience and consistent responsible behaviour towards managing your credits.<\/p>\n<p><a href=\"https:\/\/cmi.rocks\/go\/6527bc4270dbc\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1206 size-large\" src=\"https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1024x229.png\" alt=\"Apply for a small business loan in Canada.\" width=\"840\" height=\"188\" srcset=\"https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1024x229.png 1024w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-300x67.png 300w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-768x171.png 768w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1536x343.png 1536w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-2048x457.png 2048w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1200x268.png 1200w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" \/><\/a><\/p>\n<hr \/>\n<h2>Alternative Financing Options for Small Businesses with Bad Credit<\/h2>\n<p>For small businesses struggling with bad credit, there are still ways to get funding. This includes options like government grants, crowdfunding, and peer-to-peer lending.<\/p>\n<ul>\n<li>Government grants and support programs: For small businesses struggling with bad credit, government grants and support programs can be a lifeline. These initiatives aim to help businesses grow and boost the economy. Unlike loans, you don&#8217;t have to pay back government grants, which is great for any business looking for financial help. To look into these opportunities, you should check out the websites of relevant government agencies or check the websites of relevant federal or provincial government agencies and local business support organisations.<\/li>\n<li>Crowdfunding: With crowdfunding platforms, you can share your business idea or project with lots of folks. If they like it, they might give you some cash in return for rewards or a piece of the company. This route works well if your business is just starting out or if you&#8217;ve got something really unique that grabs people&#8217;s attention.<\/li>\n<li>Peer-to-peer lending: This option lets businesses borrow directly from individuals instead of going through traditional banks. These loans often come with more flexible terms which can be great news if your credit isn&#8217;t perfect. It means there&#8217;s another option besides regular bank loans that could fit better with how much money you need and how quickly you can pay it back.<\/li>\n<\/ul>\n<p>When thinking about going down these paths, make sure to do your homework on which platform will serve you best. Look up what others have said about them, compare their fees and conditions carefully, and understand fully what they expect from borrowers like yourself before jumping in feet first.<\/p>\n<p>Some businesses also look at ways to offset costs or improve long-term sustainability. For example, understanding <strong><a href=\"https:\/\/www.fatcatloans.ca\/blog\/canada-carbon-rebate\/\">carbon credits in Canada<\/a><\/strong> may provide additional financial and operational benefits.<\/p>\n<hr \/>\n<h2>The Real Cost of Bad Credit Business Loans<\/h2>\n<p>Getting a business loan when you have bad credit might seem like a good way to get some cash for your small business. But, it&#8217;s key to know that these loans can end up costing you more than you might think at first. With bad credit, the interest rates and fees on these loans are usually much higher compared to what businesses with better credit scores get.<\/p>\n<ul>\n<li>Interest rates on their business loans could be anywhere from 10% all the way up to 50% or even more. This depends largely on who&#8217;s lending the money and how they see your ability to pay them back. These steep interest rates mean that over time, you&#8217;ll end up paying a lot more money back than what you originally borrowed.<\/li>\n<li>There are also various fees attached to bad credit business loans\u2014like charges for starting the loan process (origination fees), handling it (processing fees), and penalties if you decide to pay off your loan early (prepayment penalties). All these extra costs add onto how much borrowing really costs in total.<\/li>\n<\/ul>\n<div class=\"table-responsive\">\n<table class=\"table\">\n<thead>\n<tr>\n<th>Cost Factor<\/th>\n<th>What to Watch For<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Interest Rate<\/td>\n<td>Often higher for businesses with bad credit<\/td>\n<\/tr>\n<tr>\n<td>Origination Fees<\/td>\n<td>Upfront charges added when the loan is issued<\/td>\n<\/tr>\n<tr>\n<td>Processing Fees<\/td>\n<td>Administrative costs that increase total borrowing cost<\/td>\n<\/tr>\n<tr>\n<td>Prepayment Penalties<\/td>\n<td>Fees for paying the loan off early<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>To truly grasp what a bad-credit-business-loan will cost in the long run, one must look beyond just getting hold of funds; consider everything: from how much is being borrowed initially (the principal) plus all interests paid through its term as well as any additional charges incurred along this journey. By comparing all expenses involved across different lenders&#8217; offers carefully before deciding which route takes makes sense financially speaking ensures making wise choices regarding financing options available despite having less-than-perfect credits.<\/p>\n<hr \/>\n<h2>Conclusion<\/h2>\n<p>If you&#8217;re trying to get a loan for your small business in Canada and have bad credit, it&#8217;s important to play it smart. Knowing how bad credit can affect the terms of your loan is key. You should also look into different types of loans available, check out various lenders carefully, and work on making your credit score better. These steps are essential for getting the money you need to help your business grow. It&#8217;s all about staying informed and ready so that you boost your chances of getting that much-needed funding. Keep pushing forward no matter what financial hurdles come at you. Focus on what you want to achieve, consider other ways of financing too, and keep building a solid financial base for your company.<\/p>\n<p><a href=\"https:\/\/cmi.rocks\/go\/6527bc4270dbc\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1206 size-large\" src=\"https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1024x229.png\" alt=\"Apply for a small business loan in Canada.\" width=\"840\" height=\"188\" srcset=\"https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1024x229.png 1024w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-300x67.png 300w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-768x171.png 768w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1536x343.png 1536w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-2048x457.png 2048w, https:\/\/www.fatcatloans.ca\/blog\/wp-content\/uploads\/2024\/11\/FatCatLoans-Canada-1200x268.png 1200w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" \/><\/a><\/p>\n<hr \/>\n<h2>Frequently Asked Questions<\/h2>\n<h3>Can I get a business loan in Canada with no credit check?<\/h3>\n<p>When it comes to getting a business loan, places like banks and credit unions usually want to check your credit score before they say yes. But there are other lenders out there who don&#8217;t need to peek at your credit history. These alternative options might be handy for business owners who&#8217;d rather skip the credit check part. With that being said, these kinds of loans can come with a catch &#8211; higher interest rates or the need for collateral or some other kind of security to back up the loan.<\/p>\n<h3>What are the typical interest rates for bad credit business loans?<\/h3>\n<p>When it comes to bad credit business loans, the interest rates usually are on the higher side. This happens because lenders see these loans as riskier than those given to people with good credit. How high these rates go can change based on a few things like how much money you&#8217;re borrowing, how long you&#8217;ll take to pay it back, and what the lender thinks of your ability to repay them. So, if your credit isn&#8217;t great and you&#8217;re looking for a loan, be prepared that you might have to deal with steeper costs due to these higher interest rates.<\/p>\n<h3>How quickly can I secure a loan with bad credit?<\/h3>\n<p>Getting a loan when you have bad credit can vary in time, depending on things like how the lender works and what they need from you. With lenders that focus on bad credit loans, some might get you the money in just a few days. However, with others, it could take more time. To make sure you find the right option for your situation, it&#8217;s crucial to look into various lenders and understand their processing times.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Getting a small business loan in Canada with bad credit can feel challenging, but it\u2019s not impossible. This guide explores available financing options, what lenders look for beyond credit scores, and how business owners can secure funding even with less-than-perfect credit.<\/p>\n","protected":false},"author":3,"featured_media":5837,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[80],"tags":[],"class_list":["post-841","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-loans"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Small business loans in Canada with bad credit. 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Comparing lenders and their processing times can help you choose the fastest option for your needs.\" } } ] }"}],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-04-10 14:13:53","breadcrumb_settings":null,"limit_modified_date":false,"reviewed_by":"0","open_ai":null,"ai":{"faqs":[],"keyPoints":[],"titles":[],"descriptions":[],"socialPosts":{"email":[],"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2025-10-18 12:39:00","updated":"2026-04-10 14:16:09"},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/www.fatcatloans.ca\/blog\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/www.fatcatloans.ca\/blog\/category\/business-loans\/\" title=\"Business Loans\">Business Loans<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\tSmall Business Loans Canada Bad Credit: Finding Options\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.fatcatloans.ca\/blog"},{"label":"Business Loans","link":"https:\/\/www.fatcatloans.ca\/blog\/category\/business-loans\/"},{"label":"Small Business Loans Canada Bad Credit: Finding Options","link":"https:\/\/www.fatcatloans.ca\/blog\/small-business-loans-in-canada-with-bad-credit\/"}],"_links":{"self":[{"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/posts\/841","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/comments?post=841"}],"version-history":[{"count":11,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/posts\/841\/revisions"}],"predecessor-version":[{"id":6072,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/posts\/841\/revisions\/6072"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/media\/5837"}],"wp:attachment":[{"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/media?parent=841"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/categories?post=841"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatcatloans.ca\/blog\/wp-json\/wp\/v2\/tags?post=841"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}