Minority and Women

Business Owners




Supplier Diversity


Are you ready to infuse your business with corporate clients who are willing and able to pay you top dollar?
Do you find it difficult to get the most out your minority certification or feel lost in the corporate contract maze?
Do you fear being pushed down the supply chain or being eliminated all together?
   Shayna Rattler is the Ultimate Connector between MWBEs and Corporate America


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Do you struggle to meet your diversity goals because you have difficulty identifying qualified suppliers?
Do you want to improve your supplier relationship management to increase retention and sustainability?
Are you dedicated to supplier development but lack the time or resources to dedicate to it?



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Business and Start Up Loans: What Is It and How to Get

Start-Up loans are something you need if you have an idea but not enough financing. But where to get such a loan? There are several options to find the money for a business. Depending on your financial possibilities and necessities, you should consider the following options:

  • Bank lending is the best choice for people with perfect finance. The qualification requirements are strict and the approval of your application can take quite a long time. But the great advantage is the low price you will have to pay for using the money.
  • The SBA offers financial assistance but requires many documents. However, these start up loans are given to people with not so long and perfect credit history, as banks demand. SBA loans are mostly long-term and take some time to get approved.
  • Business or personal credit cards can also be considered. However, there are pros and cons of business credit cards.
  • With consumer protection, personal cards can be even better than business cards. However, you will have to keep expense reports to calculate the spending of your business.
  • Alternative lending offers less strict requirements but assumes more expensive costs. Today it’s the easiest way to get start up loan.

How to Get Funding for a Business with Bad Credit?

Yes, small business funding with bad credit is possible. You can get help from alternative lenders. Usually, they require a minimum score of 500 to 650. You can even meet lenders, who have no specific requirements about credit score at all.

Lenders tend to focus on the “power” of your business instead of focusing on your credit score. The power includes existence time, annual revenue, availability of bankruptcies.

Here are a couple of tendencies that potential borrowers, who are looking for business funding with bad credit face:

  • The lower your credit score is, the higher will be your APR. APR includes your interest rate plus all fees.
  • The approval of the startup loan is based on the value of invoices (if the lenders will decide to check out your credit). Get fast cash from the invoice factoring if you have any unpaid invoices.
  • If you have no BENEFICIAL options but have time, you should better wait and improve your credit. Get a credit report to learn your actual credit score.

Funds to Start a Business with Bad Credit

If your credit score is 500 or higher, you can apply to Fundbox, Kabbage, or Quaterspot that issue short-term business loans for working capital. By applying for these services, you can expect up to $250,000 with annual revenue of a minimum of $50,000 and a minimum of one year in business.

If your personal credit is 600 or higher, you should consider applying to StreetShares or BlueVine. The opportunities are almost the same as if you applied to the previous three companies but the requirements are stricter.