FICO SBSS Threshold — April 2025

0

The minimum score SBA lenders check before reading the rest of your application. Know where you stand before you apply.

Free estimate 2 minutes No credit pull

Step 1 of 2 — Your Business Profile

Check Your SBSS Score

Answer 6 quick questions. We use the same factors lenders weigh to estimate your FICO SBSS and show you exactly where you stand.

🔒 Your answers never leave your browser. This tool runs entirely on your device.

Your Estimated SBSS Score

0
out of 300
Calculating...

Score vs. SBA Threshold

0 75 150 165 225 300
165 SBA minimum as of April 2025

What is affecting your score

Your 90-Day Fix Plan

Raise personal credit score from 620 to 680+
Open a dedicated business checking account now
Dispute errors on your personal credit report
Register with Dun and Bradstreet to build Paydex
Keep business debt utilization under 30%
Separate personal and business finances completely
🔒

Full 90-Day Fix Plan

6 specific actions ranked by impact, written for your exact profile

Unlock Your Full Report

Get a personalized PDF with your score breakdown, what each factor means for your approval odds, and a 90-day game plan written for your exact numbers.

Free during early access. PDF downloads instantly on the next page.

🔒 No data stored server-side
🚫 No tracking. No ads. No cookies.
👤 Built by Sourav V., Austin TX