Funding guides

These guides compare what lenders publish about who they lend to: minimum credit score, time in business and revenue, read off each lender's own site. Glisten isn't a lender and doesn't predict decisions. We show published requirements, with sources, so you can see where you stand before you apply, plus how SBA loans work and what a lender must tell you if it says no.

400–650published minimum credit scores in our lender tableSources in this guide

$5MSBA 7(a) loan maximumSources in this guide

$50,000SBA microloan maximumSources in this guide

30 daysfor a lender to notify a business with $1M or less in revenueSources in this guide

What do lenders require for a business loan?

Among the lenders we checked that publish one, minimum credit scores run from 400 to 650. OnDeck and Bluevine both ask for a 625 FICO and a year in business. The table further down lets you filter by your own numbers.

Business loan requirements: credit score, time in business and revenue (2026)Minimum credit scores, time in business and revenue that 13 lenders and the SBA publish, read off their own pages. Compare them with your numbers.What lenders check on a business loan application, and what to have readyThe documents online lenders, banks and SBA lenders ask for, and when applying triggers a hard pull on your personal credit, from their own pages.Business funding with fair credit: published minimums compared (2026)Which lenders publish a minimum credit score in or near the fair range, what else they ask for, and why invoice factoring looks at your customers instead.Working capital options compared (2026): lines of credit, factoring and cash advancesHow lines of credit, invoice factoring, merchant cash advances and SBA loans work, what the FTC found about cash advances, and which states require an APR.

Is an SBA loan right for my business?

SBA loans come from banks and other lenders, not the SBA itself. A 7(a) loan goes up to $5 million, a 504 loan up to $5 million ($5.5 million for small manufacturers) for buildings and equipment, and a microloan up to $50,000.

SBA loans explained: 7(a), 504, Express and microloans (2026)SBA loan programs side by side: maximum amounts, what each can pay for, terms and who makes the loan, all from sba.gov.How much can a small business borrow? Amounts and terms lenders publish (2026)Published loan and credit line amounts, terms, payment schedules and costs from online lenders, banks and the SBA, side by side from their own pages.Equipment financing: amounts, terms, down payments and Section 179 (2026)What equipment lenders publish about amounts, terms, down payments and collateral, leasing vs buying, and the IRS's 2026 Section 179 limit.

What happens if my loan application is turned down?

Regulation B covers business credit. A business with $1 million or less in revenue gets notice within 30 days and a right to the specific reasons.

Business loan denied? What the lender must tell you, and what to do nextLenders must notify business applicants of a denial and give reasons or say how to get them. What Regulation B requires, by business size.

Lender requirements, side by side

Glisten tool · Published lender requirements

Credit scoreMonths in businessAnnual revenue ($)

Lender	Min. credit score	Min. time in business	Min. revenue	Amounts
Biz2Credit Revenue-based financing · Revenue-based financing	575	Not published	Not published	Up to $5,000,000
Biz2Credit Term loan · Term loan	Not published	Not published	Not published	$25,000 to $2,000,000
Bluevine Line of credit · Line of credit	625	12 months	$120,000/yr ($10,000 a month)	Up to $250,000
Credibly Working capital · Working capital (factor-rate pricing)	550	6 months	$240,000/yr ($20,000 average monthly deposits)	$25,000 to $600,000
Fora Financial Business loan or revenue advance · Term loan	570	6 months	$240,000/yr	Not published
Fundbox Line of credit · Line of credit	600	6 months	$30,000/yr	Not published
Headway Capital Line of credit · Line of credit	Not published	12 months	$50,000/yr	$5,000 to $100,000
Kapitus Business loan · Term loan	650	24 months	$250,000/yr	Up to $5,000,000
Lendio Line of credit (marketplace) · Marketplace	600	6 months	$30,000/yr ($2,500 a month)	$1,000 to $750,000
National Funding Small business loan · Term loan	Not published	Not published	Not published	Up to $500,000
OnDeck Line of credit · Line of credit	625	12 months	$100,000/yr	$6,000 to $200,000
OnDeck Term loan · Term loan	625	12 months	$100,000/yr	$5,000 to $400,000
Rapid Finance Small business loan · Term loan	Not published	Not published	Not published	$5,001 to $1,000,000
SBA 7(a) loan program rules · SBA program rules	Not published	Not published	Not published	Up to $5,000,000
SBA Microloan program rules · SBA microloan	Not published	Not published	Not published	Up to $50,000
SmartBiz SBA 7(a) working capital or refinance · SBA 7(a) loan	Not published	Not published	Not published	$50,000 to $350,000
Torro Business capital · Marketplace	400	Not published	Not published	Up to $575,000

Each lender name links to the page we read. Checked Oct 28, 2026. Runs in your browser; nothing you type is sent anywhere.

Frequently asked questions

What credit score do I need for a business loan?

It depends on the lender. In our lender requirements table, published minimums run from 400 to 650. See business loan requirements.

How much can I borrow with an SBA loan?

Up to $5 million with a 7(a) or 504 loan ($5.5 million for small manufacturers with a 504) and $50,000 with a microloan. See SBA loans explained.

Does a lender have to explain why it turned me down?

The lender has to notify you. Businesses with $1 million or less in revenue get reasons or a notice of the right to them; larger ones get written reasons if they ask in writing within 60 days. See business loan denied.

Does Glisten make loans?

No. Glisten isn't a lender and doesn't make credit decisions. We show what lenders publish, with links to where they publish it.