Unfortunately the credit score is something that is difficult to overcome. There are some ways to save your credit, but until that happens you may want to simply check at a number of different banks. Some will give you a loan despite bad credit.

A lot of people have unpaid student loans sadly and it can be difficult to stat a business with those pending, but aside from loans you could work a part time job or see if you can get a loan from family or friends.

Each bank is different, but you might want to ask around and explore other options.