As a sole proprietor or independent contractor, I have bad credit. Can I still apply? Jack McNeilly April 14, 2020 17:05 Yes, you can still apply. There is no minimum credit score requirement for the PPP loan. Related articles What counts as payroll costs for independent contractors and sole proprietors? Is Fundera accepting applications from sole proprietors and independent contractors for the PPP? Which government forms do sole proprietors and independent contractors need to apply? Do sole proprietors and independent contractors need to open a bank account with you in order to apply? Do I need a business bank account for the 6 months of bank statements to apply for the PPP? Comments 0 comments Article is closed for comments.