The specific qualifications for each loan depend on the lender. However, Lendio provides some basic requirements for some of their loans.nnMost loans have a minimum credit score requirement, but some don't. Your annual revenue and time in business are also qualifying factors. The lowest-cost options typically have a higher credit score requirement.nnBusiness Term Loan:nnCredit score: 680+.nnTime in business: 2+ years.nnRevenue: $8k monthly.nnBusiness Lines of Credit:nnCredit score: 560+.nnTime in business: 6+ months.nnRevenue: $50k annually.nnEquipment Financing:nnCredit score: 650+.nnTime in business: 1 year.nnRevenue: $50k annually.nnSBA Loans:nnCredit score: 600+.nnTime in business: 2+ years.nnRevenue: $8k monthly.nnCommercial Mortgages:nnCredit score: 600+.nnTime in business: 6+ months.nnRevenue: $8k monthly.nnStartup Business Loans:nnCredit score: 680+.nnTime in business: 3+ months.nnRevenue: $6k monthly.nnBusiness Acquisition Loans:nnCredit score: 600+.nnTime in business: 6+ months.nnRevenue: $8k monthly.nnIt doesn't list minimum requirements for accounts receivable financing or business cash advances. That's because repayment comes from future revenue, whether future sales (merchant cash advances) or when your customers pay their invoices (accounts receivable factoring). In both cases, your personal credit score and time in business matter less than the reliability of your customers.