FICO is your personal credit score based on a range from 300-850 and is determined by specific financial factors. The main categories are payment history, amounts owed, length of credit history, new credit accounts, and types of credit used.  SBSS is your business’ credit score, determined by the SBA and utilized to assess the creditworthiness of your business. This score is based on a range of 0-300. SBSS scores are calculated by looking at a combination of the business’s credit and the owner’s personal credit (FICO). Both your personal FICO score and your business’s SBSS score will be taken into consideration to determine your eligibility for the SBA 7(a) program. The program minimums are a FICO score of 650 or higher and an SBSS score of 155 or higher to be eligible.