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No revenue history required

Startup Business Funding — No Minimum Time in Business or Revenue

Startup funding underwrites *you* — your credit profile and your plan — because the business has no history to underwrite. There is no minimum time in business and no revenue minimum, but the credit bar is real at 650+ FICO. This is how most first locations, first trucks and first build-outs actually get paid for.

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Program guidelines

Amount$10,000 – $5,000,000
Term12 months – 5 years
SpeedFast (hours in underwriting)
Credit650+
Time in businessNone
RevenueNone

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Who this is right for

  • Pre-revenue or first-year businesses with a strong personal credit profile
  • Franchisees funding an initial build-out and fee
  • Owners who would rather not give up equity for their first $50,000–$150,000
  • Buying a business rather than starting one from scratch

How it works

  1. We look at your personal credit profile, your capital, and what the money is for.
  2. Structures can combine unsecured credit lines, an SBA-adjacent path, and equipment financing.
  3. Terms run 12 months to 5 years.
  4. Underwriting is hours, not weeks.

What to watch out for

Every figure on this page is a published program minimum from our lending partner network, not an offer. Your terms come from underwriting.
Straight answers

Startup Funding — straight answers

Can I get a business loan with no revenue?
Yes — startup programs have no minimum monthly gross sales and no minimum time in business. They lean on your personal credit, so 650+ FICO is the published floor.
What is the fastest way to fund a brand-new business?
If you are buying equipment, equipment financing is easier than a loan because the asset secures it — and it has no time-in-business minimum. Otherwise, startup programs on the strength of your personal credit.
How much can a startup get?
The published range is $10,000 to $5 million, but a realistic first approval for a pre-revenue business with good personal credit is far closer to the bottom of that range. Anyone promising you the top of it is selling, not underwriting.

Compare with

Small Business Loans

Term Loans & Working Capital

Business Line of Credit

Draw only what you need

SBA Loans

Lowest cost, longest terms

No cost · No obligation

See if you qualify for startup funding

One application, a soft review only, and an honest read on whether this is even the right product for you.

Get Pre-QualifiedSee funding options

Checking your options does not affect your business credit. A soft review only.