You don't need years of history to fund a business that's already generating revenue. Compare startup business loan offers from multiple lenders.
Check My Eligibility →Startup business loans provide capital to new businesses that generate revenue but lack the years of history traditional banks want. Lenders underwrite current revenue, bank activity and personal credit rather than a long track record.
For pre-revenue startups, options include revenue-based financing, equipment financing, crowdfunding and grants — while newer businesses with revenue can access merchant cash advances, business lines and small term loans. Through BidMyCapital you can compare what your new business actually qualifies for.
Newer lenders underwrite live revenue and bank deposits.
MCA, RBF, line of credit or equipment loan based on your profile.
As you build history, cheaper bank and SBA credit opens up.
Startup funding costs more than established-business credit because the risk is higher. Revenue-based and MCA products typically carry factor costs, while startup equipment loans and lines run from roughly 10% to 30% APR. Expect to pay more early, and refinance as you build history.
Some lenders fund businesses under six months old.
Consistent deposits beat long histories for approval.
Personal credit matters more for newer businesses.
Equipment loans and revenue-based products reduce risk for lenders.
Pre-revenue startups face the tightest market, but options exist: equipment financing, personal/business credit building, crowdfunding and some revenue-share programs for very early stage companies.
Some alternative lenders approve businesses with just a few months of revenue, while banks and SBA loans usually want two years.
Revenue-based financing and merchant cash advances underwrite on revenue rather than credit, making them the most accessible for startup owners with lower scores.
Yes. Many community lenders, grant programs and SBA microloans are designed for women- and minority-owned startups.
Revenue-based and MCA startup funding can land in days. Bank and SBA startup products take weeks to months.