Credit score & business funding
The honest map of what credit score you need for which funding product — and what to do when your score doesn't yet match the product you want. Written by people who see thousands of real business credit files a year.
What credit score do you need for a business loan?
Minimum score by product — SBA 680+, bank term 660+, online term 600+, LOC 625+, MCA 500+, equipment 550+.
Can you get a business loan with a 500 credit score?
Yes — MCA, invoice factoring, and some equipment lenders. What actually approves at 500 vs 550 vs 600.
Business loans for a 600 credit score: what actually approves?
The single biggest score bucket for online funding. Real products, real rates, and how to unlock the next tier.
Are there real no-credit-check business loans?
Almost none. What 'no credit check' actually means, which products soft-pull, and which ads to avoid.
How do you build business credit from scratch?
EIN, DUNS, Experian Business, tradelines that actually report — the 90-day and 12-month playbook.
Personal vs business credit for funding: which one matters?
Which score lenders pull for which product, how personal guarantees work, and when business credit finally takes over.