Business Loans by State

State-specific bad-credit business loan guides covering CDFI networks, state-level alternative lenders, and financing options available when your FICO is below standard thresholds. SBA district office resources by state are available at sba.gov. The Federal Reserve's Small Business Credit Survey publishes national credit-access and approval-rate data at fedsmallbusiness.org — the survey does not break results out by state or region, so use it for national context alongside the state-specific resources below. See also (/answers/business-loan-with-fico-under-600) and (/loans/personal/best-personal-loans-2026). Scored against ClearValue's published methodology. Updated May 2026.

18 guides available

According to our data, 23,347 applications have started through ClearValue Lending's platform since February 2025, and 2,408 applications reached full submission to a lender partner in our network. This directory groups every guide we've published on business financing so you can find the one that matches your situation — see how we track this data.