Startup Business Loans
Early-stage capital for founders who are still building revenue history — no long track record required for every option.
- Founders under 12-24 months in business
- New entities without audited financials
- Owners funding launch, inventory, or equipment
See my options
months in business
monthly sales
credit score
- Founders under 12-24 months in business
- New entities without audited financials
- Owners funding launch, inventory, or equipment
- Startups turned down for lacking history
How financing works for you
Traditional banks want two years of financials; startup-friendly financing looks at what you have now — deposit activity, contracts, purchase orders, or equipment to be financed. That opens the door earlier in the journey.
The trade-off is often speed and access over the lowest possible rate. As you build history, you can refinance into longer-term or SBA-backed facilities.
Options that fit
Invoice factoring and purchase-order financing let you fund orders and payroll against your customers' commitments rather than your own track record.
Equipment financing and working capital cover the launch costs — machinery, build-outs, and first inventory — with payments tied to the revenue they generate.
Working Capital
Fast, flexible capital to cover cash-flow gaps, seize opportunities, or invest in growth - from $10,000 to $5,000,000.
Invoice Factoring
Turn unpaid invoices into immediate cash. Funding against invoices aged up to 90 days - $100K+.
Equipment Financing
Fund the trucks, machinery, and technology your business needs - without draining cash flow. $10,000 to $5,000,000.
Business Line of Credit
Revolving capital you draw from when you need it - pay only on what you use. From $10,000 to $5,000,000.
More situations we finance
Business Loans for Bad Credit
Yes — you can get business financing with imperfect credit. Lenders look at your cash flow, not just your score.
Unsecured Business Loans (No Collateral)
Get funded without pledging property, savings, or equipment — unsecured options based on your business, not your balance
No-Doc Business Loans
Skip the full paperwork. Bank-statement and low-doc programs decide on your deposits and sales, not a stack of tax retur
Same-Day Business Funding
When the money can't wait. Compare options built for hours-not-weeks decisions and fast disbursement.
Second-Chance Business Loans
Past bankruptcy or defaults don't have to end your business financing options. Here's how to get back in the game.
Business Loans for Low Revenue
Smaller revenue doesn't have to mean zero options. Programs are tiered to fit businesses that are still growing.