Guide · Startups
Startup Business Funding
Funding a business with little or no revenue is a different game than funding an established one. Here are the options that actually work — and how to build toward better terms as your business matures.
Options for early-stage businesses
SBA microloans
Up to $50,000 through nonprofit intermediaries. Slower but cheap.
Business credit cards
Often the most accessible early credit, with rewards and 0% intro APRs.
Equipment financing
The equipment is the collateral, so revenue history matters less.
Personal-credit-backed lines
Unsecured personal lines or HELOCs can bridge early-stage gaps.
Crowdfunding
Rewards-based (Kickstarter) or equity (Republic, Wefunder) work for consumer products.
Grants
Federal, state, and private — competitive and slow, but non-dilutive.
Friends and family
Document everything. Treat it like an investor round.
Get to "fundable" fast
Most working capital opens up at 6 months in business with $10K/month in bank deposits. Push every dollar through a business bank account, file your EIN, and keep clean books from day one.
Already at 6 months and $10K/mo?
If you've hit that bar, you qualify for far more than startup-only products. Check what's available with one application.
Frequently asked questions
Can I get a business loan with no revenue?
Most revenue-based products require $10K+/month. Without revenue, look at SBA microloans, business credit cards, equipment financing, grants, or personal-credit-backed lines.
What credit score do I need?
Without revenue, lenders lean heavily on personal credit. 680+ opens the most doors. 600–680 is workable but limits options.
Are there grants for startups?
Yes — federal (grants.gov, SBIR/STTR), state, and private grants exist, though they're competitive and slow. Treat them as a bonus, not a plan.
What about friends and family?
Common and viable, but document everything with a written agreement to protect the relationship.
When can I qualify for traditional financing?
Most working capital programs unlock at 6+ months in business with $10K+/month in deposits. Build toward that milestone deliberately.