- median published minimum credit score
- 600
- published minimum credit score range
- 500 to 625
- lenders that print a requirement
- 7
- borrowing products with a live lender page
- 3
7 of 26 US lenders print a bar, checked 2026-09-09
Getting a small business loan starts with who publishes their bar
Nine of the twenty-six US business lenders on this site print the credit score, revenue and trading history they require. The rest want the application first.
- 7 of 26 lenders print a numberevery figure matched verbatim to the lender's own page; the other 19 publish nothing or could not be read
- Quoted and dated, never estimatedlast verification pass 2026-09-09
- 3 borrowing products with a live lender pageevidenced by the lender's own live product page
Published minimums, checked against each lender's own page
| Lender | Minimum credit score | Minimum months trading | What it publishes | Source | Checked |
|---|---|---|---|---|---|
| Advance Funds Network | |||||
| AltLINE | |||||
| Apex Capital | |||||
| Beacon Funding | |||||
| Biz2Credit | |||||
| Bluevine | |||||
| Channel Partners Capital | |||||
| Charter Capital | |||||
| Clarify Capital | |||||
| Clicklease | |||||
| Credibly | |||||
| Crest Capital | |||||
| Fora Financial | |||||
| Fundbox | |||||
| Fundera | |||||
| FundThrough | |||||
| Kapitus | |||||
| Lendio | |||||
| National Funding | |||||
| Nav | |||||
| OnDeck | |||||
| Rapid Finance | |||||
| Riviera Finance | |||||
| SBG Funding | |||||
| Taycor Financial | |||||
| Universal Funding |
Ordered by published minimum credit score. Lenders that publish no minimum are listed after them rather than ranked, and lenders whose pages could not be read are listed separately again.
- Invoice factoring companies Invoice factoring companies buy your unpaid invoices at a discount and collect them.
- Construction factoring Construction invoice factoring exists as a separate product because a construction receivable is not really an invoice.
- Restaurant equipment Restaurant equipment financing is the most common first borrowing a food business does, because a kitchen fit-out is a large single number arriving before the first cover is served.
- Trucking and haulage Trucking business loans divide sharply by what the money is for.
- Transportation Transportation covers a wider range of businesses than haulage alone: last-mile delivery, medical transport, coach and minibus operators, courier fleets, ambulance services and refuse operators all sit here, and they share one financial shape.
- Retail Retail is the one sector where the lender can watch the revenue arrive.
- Bad credit A bad credit business loan is not one product, it is the set of lenders whose published minimum is low enough to include you.
- No revenue yet Every lender in this record that publishes a revenue minimum sets it between a hundred and twenty thousand and three hundred and fifty thousand dollars a year.
- Judged on revenue Business loans based on revenue are underwritten on money moving through your bank account rather than on profit, assets or a plan.
- No collateral Business loans without security are priced on the fact that if the business stops paying there is nothing specific to sell.
- Hispanic-owned business It is worth being direct about this.
Cite or embed this figure
The published minimum personal credit score to borrow in the US business lending market was 600 in September 2026, across 7 checked lender eligibility pages recorded in Working Capital Quotes Requirements Record.
Cite as: "Working Capital Quotes Requirements Record", updated 2026-09-09, https://workingcapitalquotes.com/.