Startup & New Business Funding
Most lenders want two years of tax returns. We work the programs that don't — revenue-based advances at six months in business, 0% card stacks, equipment leases, and SBA microloans for founders with limited history or a lower credit score.
Apply NowWhy this product works
Six months in business is enough
Several programs underwrite on bank deposits alone, with no tax returns required.
Credit-flexible paths
Revenue-based and collateral-backed options exist well below the 680 FICO bar.
A ladder, not a dead end
We structure the first approval so it graduates you into cheaper capital in 6–12 months.
Best for
- Businesses 6–24 months old
- Owners with credit scores in the 500s and 600s
- Founders who need working capital before tax returns exist
Do I qualify?
Typical published ranges for this product. Your actual offer depends on your full file — these are the numbers most approvals land inside.
- Funding range
- $5K – $250K
- Typical cost
- Varies by program
- Term
- 3 – 60 months
- Min. time in business
- 6 months
- Min. monthly revenue
- $8K/mo
- Min. credit score
- 500+
- Speed to funding
- 24 – 72 hours
- Collateral
- Varies by program
From 0% intro APR cards to 1.25 – 1.49 factor advances
Other ways to fund
FAQ
Startup & New Business Funding — Frequently Asked Questions
Can I get a business loan for a startup with no revenue?
Pre-revenue funding is limited to personal-credit-based options such as 0% business credit card stacks, SBA microloans, and equipment leases. Once you have three to six months of business bank deposits, revenue-based programs open up.
How long do I need to be in business?
Six months of operating history and a business bank account are enough for most of our revenue-based programs. Twelve months unlocks materially better pricing.
Are there startup business loans for bad credit?
Yes. Revenue-based advances, invoice factoring, and equipment financing routinely approve owners in the 500–620 FICO range because the underwriting weighs cash flow or collateral more heavily than credit score.
How much can a new business realistically borrow?
A common first approval is 50%–100% of one month's revenue, generally $5K–$150K. Approvals grow as your deposit history and repayment track record build.
What documents will I need?
Usually a one-page application and three to six months of business bank statements. Tax returns are not required for most startup-stage programs.