General
What credit score do I need for a business loan?
Short Answer
Inflection Financing requires 600+ FICO for working capital, 660+ for term loans, 680+ for SBA 7(a), and 700+ for CRE.
Detail
Personal credit score is one input among many — cash flow, time in business, and collateral matter more in commercial credit than in consumer credit. That said, our minimums are: 600 (working capital), 660 (term loan), 680 (SBA 7(a) and equipment), 700 (commercial real estate and bridge). Below these thresholds, we'll typically suggest a 90-day credit-build plan before applying.
Key facts
- Working capital: 600+
- Term loan: 660+
- SBA 7(a): 680+
- Bridge / CRE: 700+
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