If you have poor credit score (FICO score between 300 to 579), you’re less likely to qualify for certain SBA Loans, specifically, SBA 7(a), CDC/504, Express Loans, and others. The SBA Loan requirements can be strict, especially if you’re applying from banks. That said, if you’re planning to apply for an SBA Loan, aim for a business and personal credit score of at least 680 to improve your chances of qualifying.