How to use this
Every answer below carries the actual published threshold rather than a range or a maybe.
If an answer is no, it says no. That is more useful than finding out after a credit pull.
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits. Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance. Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
Questions
What credit score do I need?
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
How fast is funding?
Same-day decision, next business day funding on a complete file.