Do You Qualify for Growth Financing?
Last updated: July 2026
Two things get you to the SBA table: a 640+ FICO score and 2+ years of profitability on your business tax returns. That's the simple version. Checking your eligibility involves no hard credit pull and no obligation.
Check your eligibility — no credit impactNo obligation · Independent resource — not a lender, not affiliated with the SBA
SBA eligibility — the short version
- Credit: 640+ personal FICO score
- Profitability: 2+ years of profitability shown on your business tax returns
Two boxes. That's the working baseline for the SBA path our funding partner underwrites through REIL Capital. Higher scores and stronger margins improve pricing; missing one benchmark doesn't automatically end the conversation — a specialist can walk through options. Full paperwork detail: SBA loan requirements.
Which product does your profile fit?
| Your situation | Likely starting point |
|---|---|
| 2+ years in business, solid credit, big long-term project | Standard SBA 7(a) |
| Qualify for SBA but need it faster | SBA FastTrack |
| Younger business or smaller amount | SBA Startup / Boost |
| Buying property | SBA Commercial Real Estate |
| Need funds this month, defined project | Term loan |
| Need funds this week / credit rebuilding | Working capital via LoanSource Pro, refinance later |
How the eligibility review works
Submit the 2-minute form; a specialist reviews revenue, industry, and cash flow — not just credit scores — and comes back with which programs you fit today, what you'd need for better ones, and side-by-side offers where available. Decisions on term products arrive within 24 hours.
Eligibility FAQ
What do I need to qualify for an SBA loan?
Two core benchmarks: a 640+ personal FICO score and 2+ years of profitability shown on your business tax returns. Meeting both puts you on the standard SBA path; a specialist can talk through options if you miss one.
What credit score do I need for an SBA loan?
640+ FICO is the working benchmark. Higher scores unlock the best terms; strong revenue and profitability can help offset a lower score in some cases.
Do I need 2 years of tax returns for an SBA loan?
Yes — two years of business tax returns showing profitability is the standard documentation SBA underwriters use to size and price the loan.
Does checking eligibility hurt my credit?
No — REIL Capital performs no hard credit pull at any point in its approval process.
Know exactly where you stand
2-minute check · No hard credit pull · A mapped path to your best program
Check your eligibilityIndependent resource, not a lender