Credit profile · 580-669
Fair-Credit Business Loans: What You Can Qualify for with a 580-669 FICO. When credit is the question.
A fair-credit FICO (580-669) qualifies most business owners for revenue-based funding, lines of credit, and short-term term loans at ICG.
Last updated · 2026-04-16
Why ICG at 580-669
We underwrite revenue first. Credit informs, it does not gate.
At 580-669, 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
Fair credit is the most common profile in our approved-applicant pool. Pricing improves meaningfully above 620.
Typical terms
Factor rates of 1.20–1.35 or APRs of 14–28%, funding amounts typically $25K–$250K.
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 580-669. Real options.
Score coaching
Improving your score. Without delaying capital.
One or two on-time ICG payment cycles (reported to Paynet/D&B) typically move business-credit scores materially within 90 days.
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 fair credit borrowers. Plainly.
A fair-credit FICO (580-669) qualifies most business owners for revenue-based funding, lines of credit, and short-term term loans at ICG.
Fair credit is the most common profile in our approved-applicant pool. Pricing improves meaningfully above 620. Typical products: Revenue-Based Funding, Business Line of Credit, Term Loans.
Factor rates of 1.20–1.35 or APRs of 14–28%, funding amounts typically $25K–$250K.
One or two on-time ICG payment cycles (reported to Paynet/D&B) typically move business-credit scores materially within 90 days.
No. ICG uses a soft credit pull only at application. A hard inquiry occurs only after you review and accept an offer.