Great to see you in the forum! Due to your credit score it may be difficult for you to get an SBA loan. Most lenders typically require a 680+ score, minimum. There still are options though! I would recommend reading our article on how to get a loan to buy a business. This will give you the information you need on each option. You should immediately ask the seller about what seller financing options are available, so you know if you can lower the purchase price at all and pay the owner back over time.
The best option is if you have $50K+ in your retirement account. You could potentially roll it over into the purchase of the business without paying tax penalties or early withdrawal fees. The transaction is call a Rollover for Business Startups (ROBS), and it’s helped thousands of small business owners buy or start the business they want. Good luck!