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◆ Credit Score

The minimum FICO is 650, 600 or 550 — depending which door you use.

There is no single number. There are three, and which one applies to you depends on the product, not on how the conversation goes.

Apply NowDo I Qualify?

✓ Checking what you qualify for does not affect your credit score.

650+Line of credit / term loan
600+Revenue-based
550+Renewal
SoftTo check

What each score actually opens

650 and aboveThe full menu. Line of credit $10K–$350K from 1% per month, or a term loan $10K–$250K at 0% origination. This is the cheapest money available here.
600 to 649Revenue-based funding. Faster and more forgiving on time in business and existing positions, at a higher cost of capital.
550 to 599A renewal on an existing facility, once 50% of the original balance has been repaid. Not a starting point, but a real path once you are in.
Below 550Below every published floor on file. Bank activity over the next few months is what moves this.

Score is a gate, not the decision

Clearing 650 does not approve you and sitting at 610 does not decline you. The score decides which product you are being read against; the bank statements decide the rest.

A 660 file with three negative days a month and a balance that hits zero every Thursday is a harder file than a 615 with a clean, boring account. Underwriters weigh the statements far more heavily than people expect.

Personal FICO, not a business credit score
At least 50% ownership is required either way
Bankruptcies and foreclosures must be 3+ years past on Tier 1
Tier 2 requires no open bankruptcies and no prior defaults

How it works

1. Apply in minutes

A short application. No impact to your credit score to see what you qualify for.

2. Same-day decision

We review revenue, time in business and bank activity — not just a credit score.

3. Review your terms

You see the amount, the term and the total cost before you sign anything.

4. Funded next business day

Money in your account, typically the next business day after signing.

Common questions

What is the minimum credit score for a business line of credit?

650.

What is the minimum credit score for a business term loan?

650.

Can I get business funding with a 600 credit score?

Yes — through revenue-based funding, which starts at 600.

Can I get funded with a 550 credit score?

On a renewal of an existing facility, yes, once 50% of the original balance has been repaid.

Is this a personal or business credit score?

Personal FICO.

Does applying hurt my score?

Checking what you qualify for does not affect your credit score.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

Apply Now →(305) 384-8391