Not every merchant knows about Kabbage.. I have funded a couple "primo" deals lately with FICO's over 700 (one for $250k and another for $425k). On those deals I ended up getting 6 points on a 1.32 factor over 9 months and another one got me 5 points on a 1.31 over 6 months. If you are working with a direct funder those rates are definitely doable.. but the 500 FICO would worry me as well. I haven't seen anything under 600 going for less than 1.4 personally.