Business loans with no credit check can be a lifeline for entrepreneurs with limited credit history or who have struggled with past financial challenges, making traditional financing difficult to secure.
The best no-credit-check business loan options allow borrowers to access working capital without a hard credit inquiry.
Here are my top picks:Paypal Working Capital: Best for PayPal seller– Square Loans: Best for small businesses with consistent card sale– AltLINE: Best for B2B companies with unpaid invoice
Rather than relying on a traditional credit check, PayPal evaluates your account history, including sales volume and tenure, to determine eligibility.
Payments are automatically deducted as a fixed percentage of your PayPal sales, so repayment adjusts naturally with your business’ cash flow.
Eligible sellers receive a loan offer directly in their Square dashboard, which outlines the total amount, fixed fee, and repayment details
The process is transparent and direct, as you submit your unpaid invoices, and altLINE advances a portion of the value, usually within 24 hours.
This structure allows companies to free up capital tied in receivables, making it easier to manage expenses, cover payroll, or invest in growth without waiting weeks or months for clients to pay.