Guide
Business credit and personal credit are separate files, and the products here read the personal FICO of the 50%+ owner.
✓ Checking what you qualify for does not affect your credit score.
A business credit file is built through vendors and creditors that report to Dun & Bradstreet, Experian Business and Equifax Business. Many small vendors report to none of them.
A DUNS number is free. Paying reporting trade lines on time, and early where terms allow, is what moves a PAYDEX score.
None of that changes eligibility here in the short term — the personal score and the bank statements do.
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.
Build it anyway. It changes what you can get in two years, not what you can get this month.
Line of credit from 1% per month on the drawn balance, 2.49% per draw. Term loan 0% origination on weekly payments. Refinance priced with a factor rate.
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, next business day funding on a complete file.
Yes, up to two existing positions.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
