A weak score narrows the options and does not close them. Here are the actual floors, and what carries more weight than the score does.
What each score actually opens
650 and aboveThe full menu, including the lowest-cost line of credit and term loan.
600 to 649Revenue-based funding. Faster and more forgiving on time in business and existing positions, at a higher cost of capital.
550 to 599A renewal on an existing facility, once 50% of the original balance is repaid.
Below 550Below every published floor. Bank activity over the next few months is what moves it.
What outweighs the score
The score decides which product you are read against. The bank statements decide the outcome, and they carry more weight than most people expect.
Average daily balance near 10% of monthly revenue
8 or more deposits a month, showing revenue arrives steadily
Under 3 negative days a month and under 6 NSFs
Time in business — the single strongest input
No more than two existing positions
Beauty businesses live on chair time and treatment capacity. A new station or device raises the ceiling on what the space can earn, but the device is bought before a single appointment is booked against it.
Common questions
Can salons and med spas get funding with bad credit?
Revenue-based funding starts at a 600 credit score with 6 months in business and $60,000 in verifiable revenue.
What is the lowest credit score accepted?
600 for revenue-based funding. 550 on a renewal of an existing facility.
Does bad credit mean a higher rate?
Generally yes. A weaker score points the file at revenue-based products, which cost more than the bank-style tier.
Will applying lower my score further?
No. Checking what you qualify for does not affect your credit score.