In short, the answer is no. Get a loan quickly even with no credit history.Fixed, affordable payments available. Below, CNBC Select rounded up four of the best small business loans that don't require a credit check or consider applicants with low credit scores. PNC offers small businesses an unsecured business loan with no collateral required. Contact us today for more info. You'll likely need at least six months in business and a credit score of 600 to qualify.