Guide
USAA does not offer conventional small-business lending to members; business banking referrals go to third parties, which is why searches for it usually end in a dead link.
✓ Checking what you qualify for does not affect your credit score.
USAA does not offer conventional small-business lending to members; business banking referrals go to third parties, which is why searches for it usually end in a dead link.
One application against thresholds published in advance. Checking what you qualify for does not affect your credit score.
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.
Line of credit $10,000 to $350,000 from 1% per month on the drawn balance. Term loan $10,000 to $250,000 at 0% origination.
USAA does not offer conventional small-business lending to members; business banking referrals go to third parties, which is why searches for it usually end in a dead link.
No.
Same day on a complete file.
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 decision. Applying takes a few minutes and will not affect your credit score.
