What credit score do I need for a business loan?

Requirements vary by lender and loan type. Traditional bank loans and SBA loans typically require personal credit scores of 680-720+. Online lenders (Kabbage, OnDeck, Bluevine) work with scores of 600-640+. Equipment financing often approves 620+. Merchant cash advances may approve 500+. Below 600, your options narrow to high-cost alternatives. Building credit before applying significantly improves your terms.