As I said before: there’s a small business financing tool for every credit score, so the answer really varies. In general, you’ll qualify for better rates the better your score is. A FICO score of 600-700 is a good place to start.

The short answer is, yes. Because there’s such a wide variety of business financing products, there’s one for every business and personal credit score, even if you’ve got poor credit or no credit history. Start by pulling your credit report to know where you stand. If you have time to build your credit, it may be worth it to wait to apply for financing. Otherwise, look at merchant cash advances and cash flow loans.

It really depends on your business qualifications, including revenues, time in business and personal or business credit scores. Qualified borrowers may find it very easy to get business funding, but newer businesses, those with low or declining revenues, or those with poor credit may find it more difficult. The key is to find the right financing based on your qualifications.

Start by knowing what you want to use it for and then looking at what you qualify for. Spend time analyzing your cash flow and annual revenue, as well as your credit scores to understand the kinds of rates and repayment term you might qualify for. Then go through this article to match with the right option.

Again it goes back to qualifications. If you have a brand new business you may need to consider a personal loan or business credit cards while you build your business. As your business matures, you may be eligible for some of the various types of financing discussed in this article, including working capital loans and lines of credit.

If your business is not yet making money and you do not have good personal credit, crowdfunding may be an option to consider. Crowdfunding requires good marketing, though, so get help from your local SBA resource partner, such as your Small Business Development Center (SBDC) or SCORE. Find free help for your small business at SBA.gov/local-assistance

Any kind of financing can be a risk. You need to be sure you will be able to repay the funds you receive in a timely manner. Falling behind on your payment can negatively impact your credit, which may make it more difficult to secure financing in the future. However, small business loans can free up cash flow and help you build your credit if used responsibly.