The outcomes of the company-run stress exams present the OCC with forward-looking data used in financial institution supervision and help the agency in assessing the company’s threat profile and capital adequacy. The OCC intends to make use of the data to evaluate the reasonableness of the stress test outcomes and decide whether or not extra analytical strategies are wanted to establish, measure, and monitor risk. These stress test results are additionally expected to support ongoing improvement in a lined establishment’s stress testing practices with respect to its inside assessments of capital adequacy and total capital planning. The minimum credit score rating you need to qualify for a enterprise loan ranges from 500 to 640 or more. However, the necessities are based mostly on the type of loan you’re seeking and your lender. For an SBA 7 loan or SBA Express mortgage, debtors need a score of 640 or extra.