Can I get a business loan with a 600 credit score?
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Short answer: often yes, but not from a traditional bank. Banks and SBA lenders usually want stronger credit. Online lenders, revenue-based financing companies, and equipment lenders often look harder at your monthly revenue and time in business than at your score.
Want a quick read on your options? Five questions, no credit pull.
Check my funding optionsWhat lenders weigh besides your score
- Monthly revenue and steady bank deposits
- Time in business (many online lenders want 6 to 12 months or more)
- What the money is for (equipment can secure its own financing)
- Existing debt and recent missed payments
Options that tend to fit a score around 600
- Revenue-based financing, repaid as a share of future sales
- Equipment financing, where the equipment secures the loan
- Building business credit under your EIN first, so future funding leans less on your personal score
What to watch
Lower-score options usually cost more. Compare the total payback amount, not just the payment, and read the terms before you sign.
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This guide is general education, not financial, legal, or tax advice. AJV Ventures LLC is not a lender. Lender requirements vary, so confirm terms directly with any lender before you apply.