This bad credit and startup-friendly lender has closed its business financing program.


Min. Amount


Max. Amount


Product Name CashCall Business Loans
Min. Amount $3,500
Max. Amount $75,000
Loan Term 24 to 120 months
Min. Credit Score 500
APR 24% to 149%
Requirements For-profit business , 2+ months of income, business bank account Credit score of 500+, operate your business in an eligible state, ages 18+

Application Criteria

  • Age 18 or older
  • For-profit business
  • 2+ months of income
  • Have a business bank account
  • Credit score of 500+
  • Operate your business in an eligible state

First, do I qualify?

CashCall’s business loan eligibility requirements are relatively lax. To qualify, you must:

  • Be at least 18 years old.
  • Own a for-profit business with at least two months of income.
  • Have a business bank account.
  • Have a credit score of 500 or higher.
  • Operate your business in an eligible state.

States where CashCall business loans are available

Apply for a CashCall business loan if you live in:

  • Alabama
  • California
  • Delaware
  • Idaho
  • Hawaii
  • Kansas
  • Louisiana
  • Maine
  • Montana
  • Mississippi
  • Nebraska
  • New Mexico
  • Ohio
  • South Carolina
  • Utah
  • Virginia
  • Washington, DC
  • Wisconsin

How does a CashCall business loan work?

A CashCall business loan is a fixed-rate term loan with monthly repayments. You can use it to cover any legitimate business expense and can pay it off between 2 years and 10 years.

CashCall loans come with high interest rates but no prepayment penalties, so you can repay it early with no additional cost or penalties. CashCall business loans are secured by a personal guarantee, meaning that your assets are on the line if your business is unable to repay it.

What makes CashCall business loans unique?

CashCall business loans are an option for startups, home-based online companies and sole proprietorships — businesses that typically have trouble qualifying for a loan due to size, profit or age.

Requirements are lax with CashCall — you need only to be in business with income for two months, and a poor credit score is OK.

What are the benefits of a CashCall business loan?

  • Quick turnaround. CashCall claims you can get your funds in the same day if you apply, are approved and submit your final loan documents before 4 p.m.
  • Startups and sole proprietorships OK. If you’re your own employee, your business is under six months old or both, it can be difficult to find a business loan that you qualify for.
  • Discount for return borrowers. If you apply for a second CashCall loan, you’ll pay a lower origination fee.
  • No prepayment penalty. Pay your loan off early with no additional cost. In fact, CashCall recommends it (that interest can build up quickly).

What to watch out for

CashCall is more upfront about how its loans work than a lot of online lenders, even breaking down what your loan might look like based on your credit score.

But that doesn’t mean CashCall is your best option. Keep in mind these potential downsides:

  • Numerous legal disputes. CashCall has settled cases with several states, the federal government and the Department of Business Oversight. It’s been accused of violating payday and tribal lending laws, misrepresenting its loans, filing false information with the DBO and harassing consumers for collections, among other issues.
  • High interest and fees. CashCall’s interest rates start where most reputable lenders drop off, and its fees are on the expensive end as well.
  • Reports repayments to credit bureaus. This could potentially be a good thing if you repay your loan on time, because responsible borrowing can help build your credit. But if you’re late or default (and these loans are expensive), it could do some serious damage to your credit score.

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