Declined
A marketplace with its own products layered on top. Declines often reflect the specific lender matched rather than the business itself.
✓ Checking what you qualify for does not affect your credit score.
A marketplace with its own products layered on top. Declines often reflect the specific lender matched rather than the business itself.
Every threshold here is published before you apply.
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.
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.
A position with a balance of $100,000 or less can be refinanced into a weekly-payment structure.
No. A prior decline elsewhere is not one of the thresholds on this site.
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.
Same day on a complete file.
No.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
