What credit score is needed for a business loan?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

Alternative lenders like Merchant Fund Express approve business loans starting at 500 FICO. Traditional banks typically require 680-700+. Online lenders generally require 600-625. Your monthly revenue, time in business, and cash flow matter more than credit score for most alternative funding products.

Key Details

  • 500 FICO: MCA, working capital available
  • 550 FICO: Equipment financing opens up
  • 600 FICO: Most products available
  • 650 FICO: Best rates begin
  • 700 FICO: All products at premium rates
  • Bank requirements: typically 680-720+ minimum
Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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