Hey everyone, I’m at a bit of a crossroads and wanted to hear real opinions. My credit score is not in a good place because of some old personal debts, but my small business is currently stable and generating steady income every month. I’ve been thinking about applying for a business loan to expand inventory, but I keep reading mixed advice — some say just apply with alternative lenders, others say it’s better to fix credit first. I also came across this guide this article small business loans bad credit which explains how lenders still approve loans based on revenue and risk even with bad credit, but I’d really like to understand what actually works better in real life: waiting and improving credit or just going for a loan now.
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