Guide
The thresholds published here apply identically regardless of ownership demographics.
✓ Checking what you qualify for does not affect your credit score.
The thresholds published here apply identically regardless of ownership demographics.
CDFIs (Community Development Financial Institutions) and the SBA Community Advantage programme often price well below market for qualifying businesses. They move in weeks, require more documentation, and are worth starting now if the need is not urgent.
The MBDA Business Center network provides free help preparing those applications.
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.
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.
Application plus three months of business bank statements. Same-day decision, next business day funding.
The thresholds published here apply identically regardless of ownership demographics.
CDFIs (Community Development Financial Institutions) and the SBA Community Advantage programme often price well below market for qualifying businesses. They move in weeks, require more documentation, and are worth starting now if the need is not urgent.
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.
No.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
