7 of 26 US lenders print a bar, checked 2026-09-09
Who prints an eligibility bar and who makes you apply to find out
A minority of the lenders below print the score, revenue and trading history they require. The rest want the application first, and this page says which is which, on 2026-09-09.
- median published minimum credit score
- $600
- published minimum credit score range
- $500 to $625
- lenders that print a requirement
- 7
By lender
| 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 |
Published minimum eligibility criteria for the lender's own products, quoted from its page on the date shown. A lender that publishes nothing is listed with that fact rather than an estimate, and a lender whose page we could not read is listed separately again, because not knowing is not the same as there being nothing. A published minimum is a floor and not an approval: the amount, the term, the industry and the bank statements all still decide the answer. This record ranks nobody on merit and carries no lender recommendation.
Download the lender requirements record (CSV), free to reuse with citation.
By borrowing product
| Borrowing product | Lenders checked | Median minimum score | Range |
|---|---|---|---|
| merchant cash advance | 2 | $500 | $500 to $500 |
| equipment financing | 3 | $500 | $500 to $600 |
| invoice factoring | 1 | $500 | $500 to $500 |
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/lending/.