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Many SBA microloan lenders have few requirements (or none at all) relating to the age of the enterprise, the enterprise credit rating or the owner’s personal credit score score. One of the larger microlenders, Accion Opportunity, for instance, accepts functions from business homeowners with low credit scores, in addition to startups that have exterior expertise in their trade and companies that only have $50,000 in annual income. As a result of eligibility requirements fluctuate a lot across lenders, we recommend borrowers contact their microlender immediately for extra details about what it takes to qualify.