Business Loans by Credit Score
Business financing options organized by FICO band. Each band shows which products are realistically accessible, what terms to expect, and how to strengthen your file. myFICO explains how FICO scores work for business and personal credit at myfico.com. The CFPB covers credit scoring for small businesses at consumerfinance.gov. See also (/answers/what-credit-score-for-business-loan) and (/answers/business-loan-with-fico-under-600). Scored against ClearValue's published methodology. Updated May 2026.
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Start an application →Under 600
- What business loan options exist for FICO scores under 600? →
- Can I get equipment financing with a FICO score under 600? →
- Can I get a merchant cash advance with a FICO score under 600? →
- Can I get an SBA Microloan with a FICO score under 600? →
- What working capital financing options exist for FICO scores under 600? →
600 – 649
- Can I qualify for a business line of credit with a FICO score of 600–649? →
- What business loan options are available for FICO scores of 600–649? →
- Can I get equipment financing with a FICO score of 600–649? →
- Can I get an SBA loan with a FICO score of 600–649? →
- What working capital financing options are available for FICO scores of 600–649? →
650 – 699
- Can I qualify for a business line of credit with a FICO score of 650–699? →
- What business loan options are available for FICO scores of 650–699? →
- What equipment financing options are available for FICO scores of 650–699? →
- Can I get an SBA loan with a FICO score of 650–699? →
- What working capital financing options are available for FICO scores of 650–699? →
700 – 749
- What business line of credit options are available for FICO scores of 700–749? →
- What business loan options are available for FICO scores of 700–749? →
- What equipment financing options are available for FICO scores of 700–749? →
- Can I get an SBA loan with a FICO score of 700–749? →
- What working capital options are available for FICO scores of 700–749? →
750+
- What business line of credit options are available for FICO scores of 750 or higher? →
- What business loan options are available for FICO scores of 750 or higher? →
- What equipment financing options are available for FICO scores of 750 or higher? →
- What SBA loan options are available for FICO scores of 750 or higher? →
- What working capital options are available for FICO scores of 750 or higher? →
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