There is no universal cutoff
I would not publish a single credit score and tell every Canadian business owner that it qualifies them for $100,000. Providers have different underwriting models, and business financing can involve both business information and the owner's personal credit depending on the structure.
Credit is one part of the file. Revenue, cash flow, time in business, existing obligations, financing purpose, assets and guarantees can also matter.
What I tell owners before they apply
Know what is on your credit file and correct genuine errors through the appropriate credit bureau process. Do not assume that a high score guarantees approval or that a lower score automatically means no financing exists.
I also tell owners to ask whether an enquiry involves a credit check, whose credit will be checked, and at what stage authorization is requested. Canada Business Loan's enquiry itself should not be represented as a lender approval or universal credit decision.
Why $100,000 changes the conversation
As the requested amount becomes meaningful to the business, I focus more heavily on repayment capacity and purpose. If $100,000 is tied to a productive asset or a clearly evidenced working-capital cycle, the discussion is different from borrowing $100,000 without a defined use.
The responsible question is not “What score gets me the money?” It is “What evidence does this provider need to conclude that this specific $100,000 obligation is appropriate?”