7 of 26 US lenders print a bar, checked 2026-09-09
Need a business loan: every US lender we checked, and what each one requires
There is no best lender in the abstract and this page does not name one. It shows what each lender was willing to put in writing when its own pages were read on 2026-09-09, and leaves the choosing to you.
- 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 |
Ordered by published minimum credit score, with lenders that publish none listed after them rather than ranked. An unread page is recorded as unread, not as a lender hiding something.
Lender profiles
- OnDeck Publishes all three numbers, which almost nobody here does: a credit score, an annual revenue figure and a time in business.
- Bluevine Publishes a score, a monthly revenue figure and a trading history, and states the annual equivalent of the revenue itself.
- Clarify Capital A marketplace that publishes general minimums for the panel behind it, which few marketplaces do.
- Advance Funds Network Publishes a score, a monthly revenue figure and a trading history in its own FAQ, and repriced them between two readings of this record.
- National Funding Publishes a credit expectation and nothing else, phrased as what most of its customers look like rather than as a rule.
- Kapitus Publishes a single hard credit number in its own FAQ and declines to publish anything else.
- SBG Funding Publishes two different bars for two different products, which is the clearest demonstration on this site of what collateral is worth.
- Charter Capital The only lender here that publishes the absence of a credit bar rather than a number, which is how factoring actually works.
- Taycor Financial The only lender here that publishes a time in business and no credit score, and it asks for the longest history on the site.
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/vendors/.