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You should avoid lenders who request their clients to provide credit history. In most cases these loans do not require any down payments or collateral. Hence, these loans are designed for emergencies only if you may not have sufficient cash available to create your cost, but may possibly contain it by the time the next salary cost appears. While there are credit cards and lending programs designed for individuals with poor credit, these options will typically charge a higher interest rate to compensate for the credit risk posed by a sub-prime borrower. One bank option for those with poor credit scores is a home equity line of credit, though I'd be wary of putting your home on the line to finance a risky early-stage venture. -Very expensive
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