Fair credit is well within our range. We weigh your 600 score next to your business deposits, not in place of them.
Check My Rate RangeQualifying with a 600 score
A 600 score usually reflects a few bumps. We look at why, which direction it is heading, and how steady your deposits are.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Five-minute application and three months of statements. Funding in as little as 24 hours for qualified businesses.
A 600 score sits inside our range, and deposits carry weight too.
The full repayment amount is in your offer up front, and no surprise costs show up after signing.
Your repayment schedule is laid out in the offer before you accept.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A 600 FICO is often described as fair credit. It usually means some past late payments, high card balances, or a short credit history. For many banks it falls under their comfort zone. For us, it sits comfortably inside the range we consider, since FICO 500+ is reviewed.
The score itself is just a summary. What sits behind it often matters more:
A 600 score with strong deposits can look quite different from a 600 score with thin ones. More on this at our credit score requirements page.
Credit is one input into the amount, payment structure and product you are offered. It is not reviewed alone. Your offer will show the full repayment amount and the schedule before you accept, so you can compare it clearly against anything else on your desk. For product options at this range, see the best business loans for a 600 credit score.
For illustration: two owners each have a 600 FICO. The first has high card balances but has never missed a payment, and deposits have been steady. The second has a recent charge-off and a business account that dips negative often. The score is identical, but the first file gives a funder much more to work with. That is why we always look at what sits behind the number, not only the number itself.
If you are near 600 and climbing, mention it. The direction of your credit is part of the story.
We start with a soft credit pull. That lets you see your options without a new hard inquiry knocking points off a score you are trying to build. The application takes about five minutes and you will need about three months of business bank statements. No tax returns. Start here.
You can apply. A 600 FICO is within the range we consider, and your deposits and existing obligations are weighed alongside it.
Working capital, merchant cash advance, business line of credit, equipment financing and revenue-based financing are all reviewed. Which fits depends on your whole file.
Credit is one of several factors that shape the amount and structure. Your deposit history matters a great deal too.
No. We begin with a soft credit pull.
Paying down card balances, keeping payments on time and avoiding new hard inquiries are the usual steps.
It is usually called fair credit. Many banks set higher cutoffs, but a 600 score is within the range we consider.
Example uses for illustration only.
Small credit moves can help over the next few months.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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