Can you get a small business loan with bad personal credit, and without a merchant account? If so how?

doubt it, maybe if you have co signer with good credit.

Banks won’t touch you.

Try Capitalone.com. For $75 down, you can get a credit card with a $300 limit.

Get a Govt SBA loan:

The SBA has various types of small business loans. The Basic Loan Guaranty program is designed for those small businesses who will not get the loans from the lenders. These loans are disbursed by the commercial lenders with SBA acting as a guarantor. The Certified Development Company (CDC) Loan Program is ideal if you want to buy a property or machinery to expand or modernize your existing operations. This is a long-term loan with a fixed-rate of interest. You need to contribute 10% of the amount as equity. The micro loan program is a short-term loan with limit not more than $35,000. You can use it as a source of funding for working capital and inventory or non-profit childcare centers. However, you cannot use it to clear your existing dues. The loan prequalification program allows you to get your application reviewed and approved by the SBA before going to lenders. The limit for this program is $250,000.

YES, you can get a loan. This would be a great fit for a new person to person lending network. You can get up to $25,000 per loan, and can list postings for a number of loans. Join a group like the one below for a better chance of getting funded and for some tips along the way.

Make Sure Your Loan Gets Funded
There are lots of factors that impact the likelihood of your loan getting funded. Through a careful analysis thousands of loans, we found a handful of factors jump to the top of the list. By far the most important factor in whether a loan gets funded is a group leader endorsement. The group leader endorsement was about twice as powerful as any other factor we reviewed.

Bad credit is one of the worst problems to have… however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is a straight to the point ebook with question and answer I found :

if it helps kindly remember me in your voting!.. cheers!