While you can probably get a business loan in the US with most FICO scores, in general you'll need a score of at least 500 to qualify for a business loan from an online funder. The better your FICO score the more options for lower rates and funding solutions you'll have. For example, someone with a FICO score of 600 would be eligible for approval with more funders, and receive better offers. The time in business is an important factor for funders as well. If you are able to show 3 years of financial statements you'll have a good chance to get approved for a business loan. Ultimately, the minimum credit score that you need will be determined by the type of funder you apply with. Banks will require higher scores, while online or alternative funders might be more open to lower credit scores.