What business loans are easiest to get?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

Merchant Cash Advances (MCAs) are the easiest business loans to get because they have the lowest credit and time-in-business requirements. Approval needs only 500+ FICO, 6 months in business, and $10,000 monthly revenue. MCAs trade ease of approval for higher cost (factor rates 1.20-1.49).

Key Details

  • MCA: easiest, 500+ FICO, 6 months
  • Working capital: 500+ FICO, 6 months
  • Invoice factoring: based on customer credit
  • Equipment financing: 550+ FICO, 6 months
  • Line of credit: harder, 650+ FICO usually
  • SBA/bank: hardest, 680+ FICO
Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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