Startup Funding
Can a startup get business funding with no revenue?
Yes, some startups can qualify without business revenue when the owner has strong personal credit. The common fit is unsecured business credit lines based on your personal credit profile, not months in business or existing sales.
No hard credit pull to check · Takes about 3 minutes · No obligation
Usually a fit if
- You have a 680+ personal credit score, with stronger approvals typically at 700+.
- You are starting or recently launched a business and do not have meaningful monthly revenue yet.
- You want revolving capital for startup costs, marketing, equipment, inventory, or working capital.
- You do not want to pledge collateral just to check eligibility.
May not be a fit if
- Your personal credit score is below 680 or has recent major derogatory marks.
- You need guaranteed approval before a credit profile review.
- You want revenue-based MCA funding; that usually requires business deposits and bank statements.
Next Steps
How to find out fast
Check eligibility with the short pre-qualification form. There is no hard credit pull just to start.
If you appear to fit, upload the requested credit-report information so a funding specialist can estimate realistic approval ranges.
Review the options before any formal applications go out. You can stop before moving forward.
FAQ
Quick answers
Do startups need revenue to qualify?
Not always. Revenue-based products need revenue, but unsecured business credit lines can be based primarily on the owner’s personal credit profile.
Is this the same as an SBA loan?
No. SBA loans usually require more documentation and underwriting. This page is about unsecured revolving business credit lines for qualified founders.
Will checking hurt my credit?
The initial eligibility check does not require a hard credit pull. Hard inquiries only happen later if you choose to move forward with applications.