Credit thresholds
US business lenders publishing a FICO minimum of 600 or below
14 providers publish a minimum FICO threshold of 600 or below. Their cost, term, speed, and remaining criteria are compared here.
For US business owners whose personal credit is the binding constraint on financing, and advisors working around it.
| Provider | Published cost | What it measures | Term | Funding speed | Published criteria |
|---|---|---|---|---|---|
| Fundbox | 4.66%–8.99% | Annual rate | 12–24 weeks | Same day | Requires at least 6 months in business, $100,000+ in annual revenue and a 600+ FICO score. |
| LEAF Commercial | 7%–20% | Annual rate | 2–7 years | 4 hours | Requires $75,000+ in annual revenue and a 600+ FICO score. |
| Alliance Funding Group | 8%–20% | Annual rate | 2–5 years | 4–24 hours | Requires $75,000+ in annual revenue and a 580+ FICO score. |
| Channel Partners Capital | 8%–18% | Annual rate | 2–5 years | 2–4 hours | Requires $100,000+ in annual revenue and a 575+ FICO score. |
| Marlin Capital Solutions | 8%–18% | Annual rate | 2–5 years | 24 hours | Requires $100,000+ in annual revenue and a 600+ FICO score. |
| Navitas Lease Finance | 8%–18% | Annual rate | 2–6 years | 24 hours | Requires $100,000+ in annual revenue and a 600+ FICO score. |
| TimePayment | 8%–20% | Annual rate | 2–5 years | 2–4 hours | Requires $50,000+ in annual revenue and a 580+ FICO score. |
| Maxim Commercial Capital | 9%–20% | Annual rate | 2–5 years | 4–24 hours | Requires a 550+ FICO score. |
| Biz2Credit | 10%–25% | Annual rate | 1–5 years | 72 hours | Requires at least 6 months in business, $250,000+ in annual revenue and a 575+ FICO score. |
| ClickLease | 10%–25% | Annual rate | 1–5 years | 30 minutes | Requires $60,000+ in annual revenue and a 550+ FICO score. |
| Pawnee Leasing | 10%–25% | Annual rate | 2–5 years | 2 hours | Requires a 550+ FICO score. |
| Credibly | 15%–40% | Annual rate | 6–24 months | 1–2 business days | Requires at least 6 months in business, $180,000+ in annual revenue and a 500+ FICO score. |
| Headway Capital | 15%–35% | Annual rate | 12–24 months | 1–2 business days | Requires at least 1 year in business, $50,000+ in annual revenue and a 600+ FICO score. |
| Headway Capital MCA | 18%–35% | Factor fee | 4–15 months | 24–48 hours | Requires at least 1 year in business, $50,000+ in annual revenue and a 600+ FICO score. |
These costs are quoted on different bases and are not directly comparable
- Annual rate
- Quoted as an annual rate on the outstanding balance.
- Factor fee
- A fee on the total advanced, not an annual rate. Because it is charged in full over a repayment period shorter than a year, the equivalent annualised cost is materially higher than the number shown.
What this filter actually selects for
A published credit threshold is a filter for consideration, not a prediction of approval. Clearing 600 does not make a file fundable, and the providers below will still decline on revenue volatility, industry, existing obligations, or the quality of the records presented.
The more useful observation is what a lower threshold usually comes attached to. Providers underwriting below prime credit typically price higher, shorten the term, take a stronger security position, or repay on a daily or weekly cycle rather than monthly. The cost of a lower credit bar is generally paid somewhere else in the structure, and the comparison below is arranged so that trade is visible.
- Providers matching: 14
- Product types represented: 4
- Distinct cost conventions in this table: 2
- Catalogue reviewed: Q1 2026
Reading costs across different products
This page cuts across product types, which means the cost column contains quantities that are not directly comparable with one another. 2 different quoting conventions appear below. A fee charged per invoice cycle and a rate charged annually can show the same number and differ by an order of magnitude in what they actually cost.
The basis is shown against every figure for that reason. Comparing within a basis is meaningful; comparing across one is not, and any ranking that flattens them into a single "cheapest" column is producing a misleading answer confidently.
- Annual rate: Quoted as an annual rate on the outstanding balance.
- Factor fee: A fee on the total advanced, not an annual rate. Because it is charged in full over a repayment period shorter than a year, the equivalent annualised cost is materially higher than the number shown.
Before acting on this list
Where personal credit is the constraint, it is worth asking whether a short delay to repair it changes the available terms materially. For many businesses a few months of deliberate credit work moves the file into a substantially cheaper bracket, and that is often a better return than accepting the first available offer.
Caplift's assessment runs the same inputs a provider will — capacity, purpose, existing obligations, and the evidence behind the figures — and produces a readiness view and a structured comparison. It does not lend, and it does not decide. The decision stays with the business and its advisors.
Common questions
Questions businesses ask
Can a business get financing in the United States with a 600 FICO?
14 providers in this catalogue publish a minimum FICO of 600 or below, across 4 product types. Meeting a published minimum is necessary but not sufficient — approval also depends on revenue, trading history, and the provider's assessment of the file.
What does a lower credit threshold usually cost?
It is generally paid for elsewhere in the structure: a higher rate or fee, a shorter term, daily or weekly repayment instead of monthly, a personal guarantee, or a stronger security position. Comparing only the headline cost across these providers will understate the difference.
Do all providers publish a credit minimum?
No. Many underwrite case by case and publish no threshold at all. Their absence from this page means they publish no number, not that they decline lower scores — and their absence is not evidence either way.
Does Caplift lend or receive a fee for these listings?
No. Caplift Financial Inc. is software and is not a lender. Providers are compared from published information, inclusion is not an endorsement or a recommendation, and appearing on this page does not indicate a commercial relationship with Caplift.
About this data, and its limits
- Figures are drawn from Caplift's Q1 2026 lender catalogue review and are indicative, not quotes. Curated from named US lenders; confirm individual terms before relying on them.
- 14 providers match this filter across 4 product types. Providers that publish no cost, and those that publish no criterion relevant to this filter, are not shown — absence here is not evidence about a provider either way.
- Inclusion is not an endorsement, a recommendation, or an offer, and does not indicate a commercial relationship with Caplift. Pricing and criteria change without notice — confirm current terms directly with the provider before relying on them.
- Caplift compiles this information to the best of its ability from publicly available provider material, but does not guarantee that it is accurate, complete, or current, and accepts no liability for decisions made in reliance on it. Figures may be out of date or incorrect. Verify anything you intend to act on directly with the provider.
- Caplift Financial Inc. is not a lender and does not approve, originate, or guarantee financing. Nothing on this page is legal, financial, tax, accounting, or investment advice, and it should not be treated as a substitute for advice from a qualified professional who knows your circumstances.