Charter Capital publishes that it has no credit score minimum
Charter Capital publishes the one statement in this record that is not a number: there is no minimum credit score required, so anyone can be approved. That is a published fact and it is stored as one, deliberately without a numeric value, because folding a zero into the median on this site would invent a lender that lends to a credit score of nought.
What Charter Capital publishes
| What | Figure | The lender's own words | Source |
|---|---|---|---|
| Minimum personal credit score | "There’s no minimum credit score required, so anyone can be approved" | Charter Capital home page checked September 2026 | |
| Minimum time in business | Publishes no minimum; apply to find out (checked September 2026) | Charter Capital home page checked September 2026 |
Charter Capital coverage, evidenced
Charter Capital keeps its own live page for 1 of the borrowing products this record tracks. Each link below was fetched on the date shown and answered.
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Why a factor can say this and a term lender cannot
Charter Capital funds invoices. The money it advances is repaid by the business that owes the invoice, not by the business that raised it, so the credit assessment that matters is of the customer. A borrower's own score is close to irrelevant to that calculation, and saying so publicly is accurate rather than promotional. It is also the single most useful thing on this site for a business with a damaged file and a ledger of business customers, because it identifies a door that is genuinely open.
What anyone can be approved does not mean
It does not mean every business, and it does not mean every invoice. A factor still needs a business customer who is creditworthy, an invoice for work already completed, terms that have not expired, and no dispute attached to it. A business paid at the till, paid by consumers, or paid up front has nothing to factor whatever its credit score is. Read the statement as what it says, which is that the borrower's credit file is not the test, rather than as an absence of tests.
Common questions
- Does Charter Capital check credit?
- Its own page states that there is no minimum credit score required and that anyone can be approved. Factoring is underwritten on the customer who owes the invoice, so the borrower's own file is not the deciding factor.
- Why does Charter Capital have no figure in the median?
- Because the published fact is that no minimum exists, not that it is zero. This record stores it as published with no numeric value so the site's median minimum score is computed only over lenders that print an actual number.