Credit profile · 650-669
650 FICO Business Loan: Access to SBA and Prime Term-Loan Pricing. When credit is the question.
A 650 FICO opens ICG's SBA Express, term loans, and lines of credit at rates close to the best the small-business market offers.
Last updated · 2026-04-16
Why ICG at 650-669
We underwrite revenue first. Credit informs, it does not gate.
At 650-669, traditional lenders default to no. ICG looks at the bank statements, the deposit cadence, and the trajectory. Score informs pricing; revenue informs the answer.
Eligibility
650 is the floor for most SBA 7(a) eligibility and the threshold where ICG term-loan APRs fall into single digits for qualified applicants.
Typical terms
APRs of 9–16%, terms of 12–60 months, funding amounts typically $50K–$500K.
Am I eligible?
If these four things are true, you probably qualify.
6+ months
Time in business
$15K+
Monthly revenue
500+ FICO
Personal credit
Required for deposit
Business bank account
Compatible products
Products that qualify at 650-669. Real options.
Score coaching
Improving your score. Without delaying capital.
Keep utilization under 20% and make sure at least one personal tradeline is 5+ years old, these two factors move 650 FICOs into the 700 band faster than any other intervention.
You can apply now and rework score in parallel. Future renewals are repriced from the latest profile, not the original one.
Common questions
FAQs for 650 fico borrowers. Plainly.
A 650 FICO opens ICG's SBA Express, term loans, and lines of credit at rates close to the best the small-business market offers.
650 is the floor for most SBA 7(a) eligibility and the threshold where ICG term-loan APRs fall into single digits for qualified applicants. Typical products: Term Loans, SBA Loans, Business Line of Credit.
APRs of 9–16%, terms of 12–60 months, funding amounts typically $50K–$500K.
Keep utilization under 20% and make sure at least one personal tradeline is 5+ years old, these two factors move 650 FICOs into the 700 band faster than any other intervention.
No. ICG uses a soft credit pull only at application. A hard inquiry occurs only after you review and accept an offer.