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Accounts receivable financing is a good option for a business that is in bankruptcy or had recently been in bankruptcy. A/R financing is a type of asset-based. Getting a personal loan after bankruptcy depends on your current credit, how much time has passed, whether you can put up collateral, and other factors. What is a discharge in bankruptcy? A bankruptcy discharge releases the debtor from personal loans or benefit overpayments, debts for personal injury. Even if you do have difficulty getting a loan after you declare bankruptcy, bankruptcy shouldn't bar you from an unsecured personal loan approval forever. If. Going through bankruptcy damages your credit history and creates lending hurdles, but it's still possible to qualify for a home equity loan.