Outcome99 vs Huntington Bank: Business Funding Compared
Huntington has been the nation's #1 SBA 7(a) lender by volume for seven straight years — a real credential. Here's what that scale means for speed and requirements.
- Huntington is the nation's #1 SBA 7(a) lender by volume, seven consecutive years running — $1.5B+ in SBA 7(a) loans, 7,500+ businesses supported in its latest record year.
- SBA underwriting targets 680+ FICO, 2+ years in business, and a DSCR1 of at least 1.15.
- Preferred lender status2 gives Huntington in-house final-decision authority on most SBA loans, which speeds things up relative to a non-preferred lender.
- SBA 7(a) loans are capped at $5M per loan nationwide — a program-wide rule, not a Huntington-specific limit.
- Outcome99 funds $10K–$5M in as fast as 24 hours, without the 680+ FICO/DSCR underwriting bar.
1How They Compare
| Factor | Outcome99 | Huntington |
|---|---|---|
| Funding range | $10K – $5M | SBA 7(a) capped at $5M nationwide |
| Track record | $10K–$5M facility range, live on outcome99.com | #1 SBA 7(a) lender by volume, 7 years running |
| Credit / risk bar | Underwritten on current revenue | 680+ FICO, DSCR ≥ 1.15 typically required |
| Time in business | No fixed minimum | 2+ years typically required |
| Time to funding | As fast as 24 hours | Weeks — SBA underwriting, even with preferred-lender speed |
Outcome99 figures are the only quantified claims Outcome99 publishes; Huntington figures are sourced from Huntington's own published rates, requirements, and program pages.
2Speed & Timeline
Huntington's preferred lender status means it can make final credit decisions on most SBA loans in-house rather than waiting on SBA sign-off — a real efficiency edge over a non-preferred SBA lender. Even so, SBA underwriting itself (financial review, DSCR calculation, documentation) runs on a multi-week timeline, not a same-day one.
Outcome99 funds in as fast as 24 hours for most approved businesses, with most applicants hearing back within 2 hours.
3Requirements & Underwriting
Huntington's SBA underwriting generally targets a 680+ FICO score, 2+ years in business, and a Debt Service Coverage Ratio of at least 1.15 — meaning the business needs to generate $1.15 for every $1.00 of annual debt payments it would owe. That's the SBA's standard benchmark, applied through one of the program's highest-volume originators.
Outcome99 doesn't set a minimum FICO score or DSCR threshold — approval is based on current revenue performance.
4Collateral
SBA 7(a) loans generally involve a personal guarantee and collateral as part of standard program structure. Outcome99 has no fixed collateral requirement.
5Who Each One Is Actually Best For
Huntington may be the better fit if:
- Your business clears a 680+ FICO score and a 1.15+ DSCR comfortably
- You have 2+ years of financials and want the track record of the nation's #1 SBA 7(a) originator
- You can plan around a multi-week SBA underwriting timeline
Outcome99 may be the better fit if:
- Your credit score or DSCR wouldn't clear Huntington's SBA underwriting bar
- You're earlier than 2 years in business
- You need funding in a day, not weeks
See what you qualify for with Outcome99
$10K–$5M, funded in as fast as 24 hours. No fixed collateral, ~90-second application.
Notes
- DSCR — Debt Service Coverage Ratio. It measures how much cash flow a business has relative to its debt payments; a DSCR of 1.15 means the business generates $1.15 for every $1.00 of annual debt service owed.
- SBA Preferred Lender status lets a bank make certain final credit decisions in-house instead of waiting on SBA sign-off — it speeds up SBA lending, but doesn't eliminate SBA's own documentation and underwriting standards.