Cash flow is important when you run a business. It’s how you pay your daily operating expenses, buy inventory, and pay your employees. But there will be times when your business isn’t bringing in as much cash. There will be other times when you’ll need a lump sum of cash to pursue an opportunity, like expanding your space or taking advantage of a bulk discount on supplies. You’ll need to get a business loan.

But what if you have bad personal credit and a low or nonexistent business credit score? Getting a small business loan when you have bad personal credit or bad business credit can be challenging, but it’s not impossible.…