Heather makes a very good point. That is the way we view FICO also. It is not about the score, it is what is behind the score. A business with the deposit level described is not looking for $10k, that is a $100k - $200k deal and most (probably not all) funders look carefully at character. We've all been burned too many times by borrowers on an ACH deal that cut us off and don't give a damn and make us litigate, garnish bank accounts etc before we get paid.