A 620 credit score sits in fair territory, and plenty of business funding is available at that level. Your revenue often matters as much as, or more than, the number itself.
620 is workable for many products
At 620, bank term loans and some SBA options may be a stretch, but revenue-based funding, short-term working capital, and certain lines of credit are well within range.
The Broker Shop is a broker, not a lender, so instead of one lender's cutoff, your file reaches many lenders with different score thresholds.
Lenders look past the score
For cash-flow products, monthly deposits, average daily balance, and time in business carry real weight. A 620 owner with strong, steady revenue can out-qualify a higher-score owner with shaky cash flow.
Keeping your business account free of overdrafts and negative days in the months before you apply directly improves how underwriters read your file.
Choose the products built for fair credit
Revenue-based funding and short-term working capital are the usual fits at 620. A secured line of credit or equipment financing can also work, since collateral offsets some of the credit risk.
Right-sizing your request to what your revenue supports makes approval smoother and repayment more comfortable.
Improve the score while you fund
You can pursue funding now and strengthen your score in parallel: pay down revolving balances, keep utilization low, and never miss a due date. As your score climbs, more products and better terms open up.
A broker can start you with what fits at 620 today and help you graduate to stronger options later.
See what you qualify for
One 2-minute application is matched to the lenders whose guidelines you meet. It's free, and checking your options won't affect your credit score.
See What I Qualify For →The bottom line: A 620 score qualifies for a real range of funding; strong revenue and the right product matter more than the number alone.