How credit is used
Providers may review personal and business credit to gauge repayment history, existing obligations, and risk — then weigh it against revenue.
Credit Score Requirements
Credit score requirements for business funding.
Credit is one input in a funding decision — not the whole story. Many revenue-based and short-term options weigh business cash flow alongside credit.
Quick answer
There is no single credit score required for business funding. Some options consider lower scores when revenue, deposits, and time in business support the request, while bank products usually expect stronger credit.
No obligation to accept an offer. MerchantRunway is operated by MerchantRunway.com. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
When credit matters most
Lower-cost, longer-term products tend to weight credit heavily. Revenue-based and short-term options may place more weight on deposits and cash flow.
Improving your position
Consistent deposits, lower existing balances, fewer recent inquiries, and clean bank activity can strengthen how your file is reviewed.
Documents usually needed
- Recent business bank statements
- Business identification and owner contact details
- Requested amount, intended use, and timing
- Existing funding obligations, if any
How approval is evaluated
Providers may review revenue consistency, deposits, time in business, industry, existing obligations, owner profile, and whether the requested capital fits cash-flow capacity.
View requirementsRelated funding options
Common questions
No. Approval, terms, funding amounts, and time to funding depend on provider review and applicant qualifications.
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