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Business Owners

Business Owners — Do You Even Know What Score Lenders Are REALLY Using? 👀

Everyone screams “I have a 750 credit score!”

But which score? 🤔

When it comes to BUSINESS LOANS, lenders are not all looking at the same thing.

Here’s what actually matters:

✅ FICO® Score 8 – The most widely used personal score

✅ FICO® Bankcard Scores (2, 4, 5, 8) – Used heavily for business credit cards & lines of credit

✅ FICO® SBSS Score – Used for SBA loans (ranges 0–300)

If you’re applying for SBA funding, your FICO® SBSS score blends:

• Personal credit

• Business credit

• Financials

Most SBA lenders want at least 155–165+ for serious consideration.

For traditional banks?

You typically need 680+, but 700–720+ gets you better terms and cheaper money 💰

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