The lender does not set a minimum credit score requirement but has strict requirements for time in business, annual revenue, and monthly deposits. Issues in your credit history could also trigger a denial.nnIf IOU declined your loan application, the denial letter should explain why. You can contact them directly if you need more information. Also, since you can only apply through a reseller, the ISO or loan broker you worked with should be able to provide more details.nnFortunately, there are plenty of online lenders, and most allow you to apply directly (although you can still use a broker if you prefer in many cases). You shouldn't have issues finding other lenders that provide business term loans and working capital products.nnOther lenders might offer a more diverse suite of lending products as well. Depending on your needs and financial performance, you might be interested in applying for any of the following small business loans:nnBusiness lines of credit.nnBad credit business loans.nnEquipment financing.nnAccounts receivable factoring.nnMerchant cash advances.nnRevenue-based loans.nnSBA loans.