Getting a SBA Loan with poor personal credit is very difficult. Most SBA Loans are being denied, even to those with good personal credit. If one has moderate personal credit (680+), there are several places to procure SBA micro loans (less than $35K) and 7A loans. Of course, having solid business credit is a requirement for any loans. Another route is to write a business plan and submitting it to a SBFE (Small Business Financial Exchange) lender.