text: i have bad credit but i need to nuy a dump truck help?   try getting a loan using your business name. i have a small bussiness and opened a bussiness checking account with bank of america and deposited all my bussiness receipts in said checking account, bank of america offered me a bussiness line of credit with an apr of 1% over prime,i applyed and was approved for a platimum visa buisness express card with a limit of half of my annual receipts.they also gave me a stack of checks tied to that account with no cash advance fee and the same low interest rate. the first check i wrote was for the purchase of a new truck.