Calculate Your SBSS Score
The SBSS score ranges from 0 to 300, with higher scores indicating lower credit risk. A score closer to 300 reflects stronger creditworthiness.
For SBA 7(a) Small Loans (loans of $350,000 or less) lenders are required to pre-screen applications using the SBSS score. The current minimum score required for automatic prescreening approval is 155, but each SBA Bank has their own minimum score. Depending on the bank, these minimum scores can range anywhere from 160 to 200.
If your score is below this threshold, it doesn’t automatically disqualify your application. Instead, your loan may be considered through a manual underwriting process, where additional factors—such as business financials or collateral—can be evaluated to determine eligibility.
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