The Real Minimum: 500
Most MCA lenders publish a minimum FICO score of 500. In practice, this is a soft floor — lenders look at your full picture. A 480 with $40K/month in deposits often beats a 580 with $8K/month.
What Lenders Weight More Than Credit Score
- Monthly revenue: Most lenders want $10,000+/month minimum; $25,000+/month opens up better terms and bigger advances.
- Time in business: 6 months minimum for most. 1+ year unlocks better factor rates.
- Bank statement health: Lenders want to see consistent deposits, low NSFs, and a positive ending balance.
- Industry: Some industries (cannabis, adult, certain construction) face stricter scoring; most are fine.
What You Get at Each Score Tier
500–550 (Sub-Prime)
Approval is realistic. Expect higher factor rates (1.35–1.49) and shorter terms (3–6 months). Advance amounts typically capped at 80–100% of monthly revenue.
550–650 (Mid)
More lender competition. Factor rates 1.25–1.40. Terms up to 12 months. Advance amounts up to 1.5x monthly revenue.
650+ (Prime)
Best rates (1.15–1.30). Longer terms (up to 18 months). Higher advance amounts. You may also qualify for term loans, lines of credit, or SBA-style products at this tier.
💡 Bottom line: Don't let a low credit score stop you from applying. The MCA market is built specifically for businesses banks reject. Revenue and bank health are what really get you funded.
Frequently Asked Questions
Related: Funding with Bad Credit · 500 Credit Score Loans · What Is an MCA?