Credibly
550+ verified minimum
Product Merchant Cash Advance
Credit 550+ minimum
Revenue $240K/yr
Funding Not verified in this review; confirm the exact offer.
View Lender Business Funding for Lower Credit Scores
Compare products with published minimum credit scores of 625 or below.
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Choose the structure before the provider
Use your payment cycle, cash reserve and actual offer to assess fit. The list below is research coverage, not an approval or affordability ranking.
Build a funding plan → · Stress-test the payment7 Options
Lower minimums often come with higher costs or more frequent payments. Ordered by lowest verified credit minimum.
Fora Financial
570+ verified minimum
Product Small Business Loan
Credit 570+ minimum
Revenue Not publicly stated
Funding Not verified in this review; confirm the exact offer.
View Lender Biz2Credit
575+ verified minimum
Product Revenue-Based Financing
Credit 575+ minimum
Revenue $250K/yr
Funding $25,000 to $2 million or more is advertised; exceptional larger transactions are not a standard limit.
View Lender Fundbox
600+ verified minimum
Product Business Line of Credit
Credit 600+ minimum
Revenue $30K/yr
Funding Not verified in this review; confirm the exact offer.
View Lender Bluevine
625+ verified minimum
Product Weekly Line of Credit Plan
Credit 625+ minimum
Revenue $120K/yr
Funding Not verified in this review; confirm the exact offer.
View Lender OnDeck
625+ verified minimum
Product Business Term Loan
Credit 625+ minimum
Revenue $100K/yr
Funding Not verified in this review; confirm the exact offer.
View Lender OnDeck
625+ verified minimum
Product Business Line of Credit
Credit 625+ minimum
Revenue $100K/yr
Funding Not verified in this review; confirm the exact offer.
View Lender WHAT TO KNOW FIRST
Before You Compare Funding for Lower Credit Scores
A minimum score is a screening fact
A published credit floor does not predict approval, price or affordability. Check the requirement for the exact product and plan. A typical customer profile or marketplace guideline is not a hard minimum. If sources conflict, ask the provider to confirm the applicable rule before sharing sensitive information.
Compare the cash received with the full obligation
For illustration, $50,000 multiplied by a 1.35 factor gives $67,500 of stated payback before additional fees. That is a dollar calculation, not an APR. The annualized cost depends on net proceeds, payment dates and term. Compare both the cost calculator and a cash calendar using the actual written offer.
Keep credit checks and personal liability separate
Ask whether application, acceptance and first draw use soft or hard inquiries, and whether partners can perform their own checks. Separately, read the guarantee and collateral clauses. A soft inquiry says nothing about personal liability. Missing evidence does not establish that a requirement or guarantee is absent.
Use a decline to refine the plan
Ask which product requirement or underwriting concern caused the decline. Correct errors, reduce the amount or reconsider timing where practical. A smaller staged purchase, supplier arrangement or community lending option may address the need. Do not assume a lower-score product will fix a recurring operating deficit.