Business Funding Guide
Business Funding No Collateral History
March 13, 2026
You can get $50K-$150K in business funding with no collateral and no business history required. The only real requirement is a 720+ personal credit score. Banks say no: this product was built for exactly that situation.
Quick Summary
- $50K-$150K available with no collateral and no business history required
- Requires 720+ personal credit score, revenue and business age irrelevant for SLOC
- 0% intro period for 12-24 months on most cards in the program
- Revolving structure: draw, repay, draw again
- The funding banks won't offer startups, built specifically for founders with strong credit
Why Banks Keep Saying No
Traditional banks require 2-3 years of business history, significant collateral, and strong business financials. For a new or early-stage business, that's a catch-22: you need capital to build history, but you need history to get capital.
Our SLOC (Syndicated Line of Credit) breaks that loop. Underwriting is based on personal credit: not how long you've been in business, not what assets you own.
What Are the Actual Requirements?
To qualify for the SLOC:
- 720+ personal credit score
- No active bankruptcies
- No business history required
- No collateral required
- 0% interest for the first 12 to 24 months
That's it. No revenue minimums, no years-in-business thresholds, no assets on the line.
How Much Can You Get?
$50,000 to $150,000, depending on your credit profile. A 680 score qualifies you for the product. A 720+ score typically unlocks the higher end of the range.
How Does the SLOC Work?
The SLOC is a revolving line of credit. You draw what you need, repay it, and draw again: without reapplying. You only pay on what you use. The timeline from application to funding is typically 2-4 weeks.
Frequently Asked Questions
What is the minimum credit score for this product? 680. That's the only credit-based requirement. Business history and collateral are not factors. Learn more about startup business funding with a 720 credit score.
Do I need to be in business for a certain amount of time? No. Day-one businesses can qualify. Business history is not part of the underwriting.
What happens if I have a bankruptcy on my record? Active bankruptcies are a disqualifier. If the bankruptcy has been discharged and your score has recovered to 720+, apply and we'll assess your full profile.
How long does funding take? 2-4 weeks from application to funding. Document readiness is the biggest factor in timing: have your ID and basic business info ready.
Can I use the funds for anything? Yes. Payroll, inventory, marketing, equipment, operational costs: there are no restrictions on how you use the capital.
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