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Bad Credit Small Business Loans Manitoba, Canada

  • chAccess to over 50 lenders in one place
  • chTransparency in rates & terms
up Last updated

June 12, 2025

up Written by:

Amy Orr

up Reviewed by:

Jenna West

In Manitoba, there has been a significant increase in small businesses operating in the province. Any business starting out should prioritize their finances in order to preserve their longevity. However, sometimes one’s circumstances could lead them to a bad credit score making it difficult to secure financing for their business. At Smarter Loans, we specialize under these circumstances and work with several reputable bad credit business loan providers that are excited to work with clients of all kinds. With our latest application process, we can assure all of our applicants the smoothest application available with prompt service and quick deliveries. So if you are a restaurant looking to secure financing to upgrade your kitchen equipment but stuck in a bind with your credit score, you’ve come to the right place!

Our mission at Smarter Loans is to make it easy for business owners who have bad credit to secure funding for their business.

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Compare Lenders

AMOUNT
$5K - $500k
INTEREST RATE
Varies
TERMS
6 -12 Months
AMOUNT
$10K - $1.5M
INTEREST RATE
From 7.99%
TERMS
3 - 24 Months
AMOUNT
$5K - $500K
INTEREST RATE
Varies
TERMS
4 - 12 Months
AMOUNT
$500 - $300K
INTEREST RATE
From 8.39%
TERMS
2 - 24 Months
AMOUNT
$5K - $300K
INTEREST RATE
From 7.99%
TERMS
Fixed, 4 - 18 Months
AMOUNT
$5K - $800K
INTEREST RATE
From 7.99%
TERMS
6 - 24 Months
AMOUNT
$15K - $1M
INTEREST RATE
From 8%
TERMS
3 - 24 Months
AMOUNT
$5K - $500K
INTEREST RATE
From 9.99%
TERMS
2 - 24 Months
AMOUNT
$5K - $500K
INTEREST RATE
From 7.99%
TERMS
6 - 24 Months
AMOUNT
$5K - $50M
INTEREST RATE
From 7%
TERMS
5 - 96 Months
AMOUNT
$2.5K - $1M
INTEREST RATE
From 7.5%
TERMS
3 - 72 Months
AMOUNT
$5K - $2M
INTEREST RATE
From 7.99%
TERMS
2 - 36 Months
AMOUNT
$5K - $300K
INTEREST RATE
From 7.99%
TERMS
3 - 12 Months
AMOUNT
$3K - $5M
INTEREST RATE
From 13.99%
TERMS
1 - 60 Months
AMOUNT
$250 - $1M
INTEREST RATE
From 10%
TERMS
3 - 60 Months

Manitoba Fact Sheet

  • Average Household Income is $68,100.
  • Manitoba’s primary employment industries are information and cultural industries, arts, entertainment and recreation, wholesale trade.
  • As per the most recent stats, an average Manitoba resident earns $42,600 per month.
  • Employment rate is 60%.
  • According to the most recent data, there are 336,000 registered home owners in Manitoba.
This data was researched in 2019 and uses various information resources, including Canada’s National Statistics Agency, etc., where the information can be as of an older date. The facts above may change as new information becomes available. We do our best to keep the information up to date.

Our online financial platform gives you access to credible Bad Credit Business Loan providers in Manitoba for your specific financial goals.

Check our list of Bad Credit Business Loan companies to find the most competitive Bad Credit Business Loan rates in Manitoba.

Bad Credit Business Loans are typically utilized for the purposes such as

  • take advantage of an opportunity to grow your business
  • help you cover some bills
  • take the pressure off your finances
  • improve the cashflow of your business
  • pay employee salaries
  • get a cashflow cushion
  • capitalize on new business opportunities
  • get additional inventory for your business

av
writtenWritten by:

Amy Orr

Amy Orr is a professional writer and editor with over 10 years of experience in the Canadian, U.S. and U.K. financial markets. She has written for numerous publications on topics as diverse as economic literacy, corporate finance, and technical analysis of numerical data. Prior to transitioning to full-time writing, she worked in the hedge fund sector. Her academic background is astrophysics, and she has a Masters in Finance from the University of Edinburgh Business School.

av
writtenReviewed by:

Jenna West

Jenna West is Smarter Loans' in-house financial writer and content director. She has been covering the Canadian FinTech and finance industry since 2017, including financial trends analysis, industry surveys, regulatory updates and changes in Canadian consumer behaviour when it comes to finance.

Awesome G.
04:46 26 Feb 25
I’m very honoured to shear my experience with this illustrious platform. To be able to systematically choose from a list optional to one’s profile without doing much leg work is truly rewarding. This platform allowed to expand my options and chose which lenders fit my profile, thank you and continue doing what you do best,, connecting people to available wealth opportunities.
Pat M.
03:10 26 Feb 25
Good place to get a loan
Chris “Stufphr” H.
02:07 26 Feb 25
When you feel in need of a loan do it smart and make it a Smarter Loans.
Dan Bott (.
01:41 26 Feb 25
Very Helpful, was assisted in a timely fashion and was ultimately able to receive assistance; I highly recommend!!!
joel K.
22:59 25 Feb 25
I have recommended this place to many friends I feel that this company goes out of their way to help people that they can and they are very easy to work with
Nate C.
13:22 27 Oct 24
This company is reliable, quick, and just has the best customer service and rates it is a easy process with quick results. Would definitely recommend to anyone that needs the help.
Vincent J.
07:08 23 Oct 24
Good place for borrowing a bit of money 😁
Kels H.
06:41 23 Oct 24
Personally love this opportunity and app. Super convenient and easy to use and super awesome variety of great loans. Thanks so much guys for making such an awesome site and app and being there for me over the years. :)
Tara H.
16:23 16 Oct 24
From beginning to end, my experience was great! Very professional and personable agents. They only asked questions that were needed for the loan and payments were extremely reasonable. Would recommend to anyone who needs emergency funds.
A S.
19:43 11 Oct 24
“ Thank you SO very much! My situation was tricky and you guys made the whole process so effortless. The way you guys handle the whole process so discreetly. That truly speaks to how well your office is run and the caliber of specialists who handled the processing of my entire loan!”

Why Choose Smarter Loans?

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Access to Over 50 Lenders in One Place

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Transparency in Rates & Terms

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100% Free to Use

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Apply Once & Get Multiple Offers

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Save Time & Money

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