Best Business Loans for a 480 Credit Score (2026)

What a 480 actually means

A 480 is typically one serious derogatory plus thin recent history rather than a pattern of defaults.

Read on the account. Revenue-based structures are the realistic route.

The trade-off at this level

Cost of capital is highest here. A shorter term with an early payoff discount usually beats a longer one.

Recent on-time trade lines report fast. Six months of clean business banking matters more than the score itself.

Average daily balance of $5,000, or 10% of monthly revenue, whichever is greater. Up to 3 negative days a month, 9 per six months and up to 6 NSFs a month, 24 per six months.

What the account needs to show

$60,000 in revenue is the practical entry point for a revenue-based look.

The score decides which product the file is read against. The statements decide the rest.

Line of credit and term loan: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits

Revenue-based funding: 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

Restricted regardless of score: new residential construction, residential remodelling, long-distance (TL or LTL) trucking, used car dealers, and real estate agents, brokers, managers or lessors. Funding in every US state except Vermont, North Dakota and South Dakota.

Where this sits against everything else

There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.

Questions

Can I get a business loan with a 480 credit score?

Read on the account. Revenue-based structures are the realistic route. There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.