{"id":9986,"date":"2025-12-11T11:46:49","date_gmt":"2025-12-11T11:46:49","guid":{"rendered":"https:\/\/bcrs.org.uk\/?p=9986"},"modified":"2026-02-13T12:33:45","modified_gmt":"2026-02-13T12:33:45","slug":"are-you-eligible-for-a-business-loan-with-bad-credit","status":"publish","type":"post","link":"https:\/\/bcrs.org.uk\/cy\/blog\/are-you-eligible-for-a-business-loan-with-bad-credit\/","title":{"rendered":"Ydych chi&#039;n gymwys i gael benthyciad busnes gyda chredyd gwael?"},"content":{"rendered":"<section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span data-contrast=\"none\">Ydw, llawer <\/span><span data-contrast=\"none\">mae busnesau bach a chanolig (SMEs) sefydledig yn gymwys i gael benthyciad busnes, hyd yn oed <\/span><span data-contrast=\"none\">gyda chredyd gwael<\/span><span data-contrast=\"none\"> a gwrthod gan ffynhonnell benthyciadau draddodiadol, fel banciau.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Gall deall sut mae credyd busnes yn gweithio, a gwybod ble mae benthycwyr amgen yn wahanol, eich helpu i gael mynediad at y cyllid sydd ei angen ar eich busnes bach a chanolig i sefydlogi neu ddechrau tyfu.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Pam mae cyllid traddodiadol yn atal busnesau bach a chanolig rhag sicrhau cyllid<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-9998\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/pexels-mikhail-nilov-6963857-1-300x150.jpg\" alt=\"\" width=\"730\" height=\"487\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/pexels-mikhail-nilov-6963857-1-500x333.jpg 500w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/pexels-mikhail-nilov-6963857-1-18x12.jpg 18w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/pexels-mikhail-nilov-6963857-1-750x500.jpg 750w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/pexels-mikhail-nilov-6963857-1-600x400.jpg 600w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/pexels-mikhail-nilov-6963857-1-200x133.jpg 200w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/pexels-mikhail-nilov-6963857-1-250x167.jpg 250w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/pexels-mikhail-nilov-6963857-1-1000x667.jpg 1000w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/pexels-mikhail-nilov-6963857-1-1500x1000.jpg 1500w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/pexels-mikhail-nilov-6963857-1-scaled.jpg 1800w\" sizes=\"auto, (max-width: 730px) 100vw, 730px\" \/><\/span><\/p>\n<p><span data-contrast=\"none\">Efallai bod eich busnes yn perfformio&#039;n dda, ac efallai yr hoffech chi barhau \u00e2&#039;r momentwm hwnnw drwy gyflogi mwy o staff neu fuddsoddi mewn offer newydd. Yn \u00f4l y <\/span><a href=\"https:\/\/www.bankofengland.co.uk\/quarterly-bulletin\/2024\/2024\/identifying-barriers-to-productive-investment-and-external-finance-a-survey-of-uk-smes\"><span data-contrast=\"none\">Banc Lloegr<\/span><\/a><span data-contrast=\"none\">, mae bron i ddwy ran o dair (60%) o fusnesau bach a chanolig yn blaenoriaethu buddsoddi mewn technoleg neu TG, gyda 52% pellach yn buddsoddi mewn peiriannau a cherbydau.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Ond gall rhedeg busnes fod yn anrhagweladwy hefyd. Yn aml, mae hyn yn golygu ymdopi \u00e2 gostyngiadau mewn llif arian, wynebu taliadau cwsmeriaid sy&#039;n hwyr, neu wthio trwy gyfnodau masnachu anodd a all adael hyd yn oed busnesau bach a chanolig sefydlog yn chwilio am gyllid allanol i symud ymlaen.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Er hynny, mae hyder mewn benthyciadau yn isel. Ymchwil gan y <\/span><a href=\"https:\/\/www.british-business-bank.co.uk\/news-and-events\/news\/challenger-and-specialist-bank-lending-hits-record-high-overall-proportion-smaller-businesses\"><span data-contrast=\"none\">Banc Busnes Prydain<\/span><\/a><span data-contrast=\"none\"> sioeau:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Roedd 58% yn meddwl bod credyd yn rhy ddrud<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Ni allai 55% fenthyca ar gyfradd resymol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Roedd 29% yn credu y byddai eu cais yn cael ei wrthod cyn iddyn nhw hyd yn oed wneud cais<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Ac unwaith y c\u00e2nt eu gwrthod, mae&#039;r rhan fwyaf yn rhoi&#039;r gorau iddi. <\/span><a href=\"https:\/\/link.springer.com\/article\/10.1007\/s11187-021-00586-2\"><span data-contrast=\"none\">Economeg Busnesau Bach<\/span><\/a><span data-contrast=\"none\"> canfuwyd bod 72% o fenthycwyr a wrthodwyd yn flaenorol yn petruso i ailymgeisio. Mae llawer o fusnesau bach a chanolig yn canfod bod banciau&#039;n amharod i edrych y tu hwnt i sgorio credyd awtomataidd, gan ei wneud yn brofiad anodd a rhwystredig.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Dyna pam y gall archwilio benthycwyr eraill sy&#039;n cymryd golwg ehangach ar y busnes fod yn drobwynt ar gyfer twf busnes.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><b><span data-contrast=\"none\">Pam y gallai banciau wrthod ceisiadau am fenthyciadau i fusnesau bach a chanolig yn y DU<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Efallai y bydd llawer o fusnesau bach a chanolig yn canfod bod gan fenthycwyr prif ffrwd fel banciau ddull cul, sy&#039;n rhoi&#039;r risg yn gyntaf, yn enwedig yn ystod cyfnodau o ansicrwydd economaidd. Fel sefydliadau sy&#039;n cael eu harwain gan elw, maent yn tueddu i flaenoriaethu benthyca lle gallant ddisgwyl enillion cryf a rhagweladwy. Yn aml, mae busnesau llai, fel y rhai mewn marchnadoedd mwy niche gyda sylfaen cwsmeriaid llai, yn disgyn y tu allan i&#039;r parth cysur hwn.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Mae tuedd i fusnesau llai gael ffeiliau credyd llai helaeth hefyd, gan ei gwneud hi&#039;n anoddach i fanciau asesu risg gan ddefnyddio eu modelau safonol. Gyda pherchnogion busnesau bach a chanolig yn osgoi ffynonellau cyllid allanol, mae&#039;n anoddach adeiladu credyd busnes iachach. Gall systemau awtomataidd nodi hyn fel tystiolaeth annigonol o ddibynadwyedd, yn hytrach na throsolwg cyfannol o economi gythryblus.\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">A yw eich sg\u00f4r credyd personol yn effeithio ar eich busnes?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-9997\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/avery-evans-RJQE64NmC_o-unsplash-1-scaled.jpg\" alt=\"\" width=\"730\" height=\"411\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/avery-evans-RJQE64NmC_o-unsplash-1-scaled.jpg 1820w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/avery-evans-RJQE64NmC_o-unsplash-1-500x281.jpg 500w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/avery-evans-RJQE64NmC_o-unsplash-1-18x10.jpg 18w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/avery-evans-RJQE64NmC_o-unsplash-1-750x422.jpg 750w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/avery-evans-RJQE64NmC_o-unsplash-1-600x338.jpg 600w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/avery-evans-RJQE64NmC_o-unsplash-1-200x113.jpg 200w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/avery-evans-RJQE64NmC_o-unsplash-1-250x141.jpg 250w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/avery-evans-RJQE64NmC_o-unsplash-1-1000x563.jpg 1000w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/12\/avery-evans-RJQE64NmC_o-unsplash-1-1500x844.jpg 1500w\" sizes=\"auto, (max-width: 730px) 100vw, 730px\" \/><\/span><\/p>\n<p><span data-contrast=\"none\">Oes, gall eich sg\u00f4r credyd personol effeithio ar fenthyca busnes, ond mae&#039;n dibynnu ar y benthyciwr a strwythur y benthyciad.<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Mae banciau&#039;n aml yn adolygu credyd personol a busnes i asesu risg.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Gall benthycwyr eraill ystyried credyd personol ond rhoi mwy o bwyslais ar y busnes ei hun.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Os yw&#039;r benthyciad yn enw&#039;r busnes, fel arfer ni fydd yn ymddangos ar eich adroddiad credyd personol.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Mae hwn yn gyd-destun pwysig i berchnogion y gallai eu credyd personol fod wedi cael ei daro er bod y busnes yn perfformio&#039;n dda.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><b><span data-contrast=\"none\">Sut mae &#039;credyd gwael&#039; yn cael ei asesu ar gyfer busnesau?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Mae sg\u00f4r credyd busnes yn cael ei lunio gan ffactorau fel:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Cyfrifon wedi&#039;u ffeilio<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Os yw taliadau&#039;n brydlon<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Unrhyw ddyledion presennol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">CCJs, diffygion neu \u00f4l-ddyledion<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Ymddygiad benthyca yn y gorffennol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Gall perfformiad gwael yn unrhyw un o&#039;r meysydd hyn ostwng y sg\u00f4r a sbarduno gwrthod benthyciad. Mae bob amser yn ddefnyddiol gwneud eich sg\u00f4r credyd yn iachach trwy wella unrhyw un o&#039;r ffactorau uchod. Fodd bynnag, bydd benthycwyr amgen i fanciau yn asesu&#039;r darlun ehangach ac yn ystyried perfformiad cyffredinol eich busnes bach a chanolig, gan agor y cyfle i&#039;ch busnes bach a chanolig ffynnu.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Pam mae opsiynau benthyca amgen yn cynnig mwy o hyblygrwydd credyd<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<figure id=\"attachment_9868\" aria-describedby=\"caption-attachment-9868\" style=\"width: 730px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/bcrs.org.uk\/cy\/portfolio\/blackwood-nursery\/\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-9868\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/09\/More-Event-Templates-1-1-500x333.jpg\" alt=\"\" width=\"730\" height=\"487\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/09\/More-Event-Templates-1-1-500x333.jpg 500w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/09\/More-Event-Templates-1-1-18x12.jpg 18w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/09\/More-Event-Templates-1-1-750x500.jpg 750w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/09\/More-Event-Templates-1-1-600x400.jpg 600w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/09\/More-Event-Templates-1-1-200x133.jpg 200w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/09\/More-Event-Templates-1-1-250x167.jpg 250w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/09\/More-Event-Templates-1-1-1000x667.jpg 1000w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/09\/More-Event-Templates-1-1.jpg 1350w\" sizes=\"auto, (max-width: 730px) 100vw, 730px\" \/><\/a><figcaption id=\"caption-attachment-9868\" class=\"wp-caption-text\"><em>Meithrinfa Blackwood<\/em><\/figcaption><\/figure>\n<p><span data-contrast=\"none\">Gan fod banciau&#039;n pwyso&#039;n drwm tuag at leihau risg, mae&#039;n teimlo&#039;n fwy fel barn yn hytrach na chydnabod potensial eich busnes. Dyna pam mae benthycwyr amgen, gan gynnwys BCRS, yn mabwysiadu dull sy&#039;n seiliedig ar berthynas. Maent yn archwilio&#039;r stori y tu \u00f4l i&#039;r sg\u00f4r ac yn gwerthuso perfformiad presennol y busnes a hyfywedd twf, gan gyd-fynd ag amodau masnachu&#039;r byd go iawn a gwneud cyllid yn fwy hygyrch.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><b><span data-contrast=\"none\">Beth yw&#039;r ffactorau sy&#039;n dylanwadu ar gymeradwyaeth benthyciad busnes?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Mae sawl ffactor a all ddylanwadu ar gymeradwyo cais am fenthyciad busnes, ac mae hyn yn amrywio rhwng banciau a benthycwyr amgen. Bydd pob benthyciwr yn cymryd <\/span><span data-contrast=\"none\">ystyried sg\u00f4r credyd busnes a phersonol y cyfarwyddwr, ond mae benthycwyr amgen fel BCRS yn canolbwyntio mwy ar y darlun ehangach o&#039;ch iechyd ariannol. Mae hyn yn cynnwys asesu:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Y math o gyd-destun busnes a diwydiant<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Perfformiad busnes cyffredinol fel incwm a sefydlogrwydd<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Cryfder eich hanes masnachu ac unrhyw ddyledion cyfredol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Rhagolygon llif arian ac os gallwch chi ad-dalu digon<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Yn \u00f4l y <\/span><a href=\"https:\/\/www.gov.uk\/government\/calls-for-evidence\/small-business-access-to-finance\/small-business-access-to-finance\"><span data-contrast=\"none\">Llywodraeth y DU<\/span><\/a><span data-contrast=\"none\">, \u201cmae rhwyddineb mynediad at gyllid yn elfen bwysig o amgylchedd sy\u2019n cefnogi busnes\u201d, felly mae\u2019n hanfodol i fusnesau bach a chanolig lleol a rhanbarthol gefnogi economi\u2019r DU. Yn BCRS, rydym yn cydnabod hyn ar gyfer y cymunedau yng Ngorllewin Canolbarth Lloegr a Chymru, a sut y gall mynediad haws at gyllid helpu\u2019r genedl i ffynnu.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Os na allwch gael mynediad at gyllid gan fenthycwyr traddodiadol, mae llwybr mwy dynol a hygyrch y gallech roi cynnig arno nesaf.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><b><span data-contrast=\"none\">Sut mae BCRS yn mynd ati i fenthyca&#039;n wahanol ar gyfer benthyciadau busnes<\/span><\/b><\/h3>\n<p><span data-contrast=\"none\">Cynlluniwyd Benthyciadau Busnes BCRS i gefnogi busnesau bach a chanolig eu maint yng Ngorllewin Canolbarth Lloegr a Chymru. Yn lle dibynnu ar sg\u00f4r credyd cyfrifiadurol, mae BCRS yn neilltuo Rheolwr Datblygu Busnes a Benthyca pwrpasol i bob ymgeisydd sy&#039;n adolygu eich darlun ariannol llawn.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Yn hytrach, mae&#039;n edrych ar y canlynol <\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/eligibility-criteria\/\"><span data-contrast=\"none\">cymhwysedd<\/span><\/a><span data-contrast=\"none\"> meini prawf:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Os ydych chi&#039;n bwriadu benthyca rhwng \u00a310,000 a \u00a3250,000<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Os yw eich trosiant blynyddol yn llai na \u00a345 miliwn<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Tystiolaeth bod eich busnes yn gallu fforddio&#039;r benthyciad y gofynnwyd amdano, gan ddefnyddio cyfrifon y 3 blynedd diwethaf, cyfrifon rheoli cyfredol, a rhagolwg llif arian 12 mis<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Os nad yw cyfrif banc y busnes yn dangos ffurflenni dychwelyd lluosog neu ddyledion heb eu talu<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Os nad oes gan y busnes unrhyw drefniadau Amser i Dalu<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Os nad oes gan y cyfarwyddwr(wyr) busnes CCJs, IVAs na methdaliadau<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Fel Darparwr Cyllid Cyfrifol, mae BCRS yn bodoli i gefnogi busnesau sy&#039;n cael eu tanwasanaethu neu eu hanwybyddu gan fenthycwyr prif ffrwd, yn enwedig y rhai sydd \u00e2 chredyd gwael ar bapur.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Felly, allwch chi gael benthyciad busnes bach gyda chredyd gwael?<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Ydy, hyd yn oed os yw banc wedi eich gwrthod, efallai y byddwch yn dal yn gymwys i gael benthyciad busnes gyda BCRS os ydych chi&#039;n fusnes bach a chanolig sy&#039;n gweithredu yng Ngorllewin Canolbarth Lloegr neu Gymru, ac yn gallu dangos bod cynllun ad-dalu yn realistig.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Mae credyd yn bwysig, ond nid dyna&#039;r stori gyfan. Yn yr un modd ag nad banciau yw&#039;r unig ffynhonnell ariannu i fusnesau bach a chanolig. Gyda benthycwyr amgen fel BCRS, eich busnes chi yw ein busnes ni ac rydym am i chi ffynnu.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"3\"><b><span data-contrast=\"none\">Yn barod i archwilio eich opsiynau benthyciad busnes?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Os ydych chi&#039;n fusnes bach a chanolig sy&#039;n chwilio am fenthyciad busnes i&#039;ch helpu i gyrraedd uchelfannau newydd, <\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/contact-us\/\"><span data-contrast=\"none\">cyswllt<\/span><\/a><span data-contrast=\"none\"> ein &#039;\u2018<\/span><a href=\"https:\/\/uk.trustpilot.com\/review\/bcrs.org.uk\"><span data-contrast=\"none\">Ardderchog\u2019<\/span><\/a><span data-contrast=\"none\">t\u00eem wedi&#039;i raddio heddiw.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey wpb_content_element  wpb_content_element\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><form class=\"w-form  layout_ver for_cform us_form_1\" autocomplete=\"off\" action=\"https:\/\/bcrs.org.uk\/cy\/cy\/wp-json\/wp\/v2\/posts\/9986\" method=\"post\" data-trp-original-action=\"https:\/\/bcrs.org.uk\/cy\/cy\/wp-json\/wp\/v2\/posts\/9986\"><div class=\"w-form-h\"><div class=\"w-form-row for_text required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Eich Enw\" type=\"text\" name=\"us_form_1_text_1\" value placeholder=\"Eich Enw *\" data-required=\"true\" aria-required=\"true\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Llenwch y maes hwn<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_email required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Eich E-bost\" type=\"email\" name=\"us_form_1_email_1\" value placeholder=\"Eich E-bost *\" data-required=\"true\" aria-required=\"true\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Rhowch e-bost dilys.<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_textarea required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<textarea aria-label=\"Rhowch eich ymholiad cyffredinol yma.\" name=\"us_form_1_textarea_1\" placeholder=\"Rhowch eich ymholiad cyffredinol yma. *\" data-required=\"true\" aria-required=\"true\"><\/textarea>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Llenwch y maes hwn<\/div>\r\n<\/div>\r\n<input type=\"hidden\" name=\"action\" value=\"us_ajax_cform\" \/>\r\n<input type=\"hidden\" name=\"post_id\" value=\"0\" \/>\r\n<input type=\"hidden\" name=\"form_index\" value=\"1\" \/>\r\n<div class=\"w-form-row for_submit align_justify\">\r\n\t<button class=\"w-btn  us-btn-style_1\" aria-label=\"Tyfwch Eich Busnes Heddiw\" type=\"submit\">\r\n\t\t<span class=\"g-preloader type_1\"><\/span>\r\n\t\t\t\t<span class=\"w-btn-label\">Tyfwch Eich Busnes Heddiw<\/span>\r\n\t\t\t<\/button>\r\n\t<\/div>\r\n<\/div><div class=\"w-form-message\"><\/div><div class=\"w-form-json hidden\" onclick='return {&quot;ajaxurl&quot;:&quot;https:\\\/\\\/bcrs.org.uk\\\/wp-admin\\\/admin-ajax.php&quot;,&quot;messages&quot;:{&quot;err_empty&quot;:&quot;Fill out this field&quot;,&quot;err_size&quot;:&quot;File size cannot exceed %s MB&quot;,&quot;err_extension&quot;:&quot;%s file type is not allowed&quot;}}'><\/div><input type=\"hidden\" name=\"trp-form-language\" value=\"cy\"\/><\/form><\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"Ydy, mae llawer o fusnesau bach a chanolig (SMEs) sefydledig yn gymwys i gael benthyciad busnes, hyd yn oed gyda chredyd gwael a gwrthodiad gan ffynhonnell benthyciad draddodiadol, fel banciau. Gall deall sut mae credyd busnes yn gweithio, a gwybod ble mae benthycwyr amgen yn wahanol, eich helpu i gael mynediad at y cyllid sydd ei angen ar eich SME i sefydlogi neu ddechrau tyfu. Pam cyllid traddodiadol...","protected":false},"author":22,"featured_media":9992,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-9986","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Are You Eligible for a Business Loan with Bad Credit? - BCRS Business Loans<\/title>\n<meta name=\"description\" content=\"Many SMEs don\u2019t realise they\u2019re eligible for a business loan, even with bad credit. The solution? Alternative lenders. 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