If your credit is not overly bad - there are several ways to gain more capital. You can always use your business assets. You can factor receivables - which are based more on the strength of the receivable than you the business owner. If you have pending jobs and need capital to complete them, there is purchase order financing - where you can receive up to 100% of what is needed to complete the job. Again, approval based on strength of the order as opposed to you the business owner. There are also business cash advances - that are advances against your ability to generate future income and not on your current credit. There are also many new non-bank lenders that provide short-term working capital loans - up to $100,000 for 12 months that rely on the daily cash flow in and out of your business accounts - thus, the focus is not come much on your credit. Lastly, you might very easily be able to free up internal funds by consolidating your debt into a single, lower rate, more affordable payment.