Banks typically require at least 670 FICO score, 2 years in business and $150,000 to $250,000 in revenue annually. You may be able to apply online or by phone or in person. Check your business credit score and the personal credit scores of any business owners when you apply for a small business loan from a bank. Find out the best way to apply from your lender. Look for other lenders who have a similar loan offering.