Most traditional lenders want two years of financials. We work with lenders who specialize in early-stage businesses — and we show you what's actually available for your profile.
Startup financing is a broad category that covers lending products designed for businesses that are real but young — typically six months to two years in operation. These are businesses that have demonstrated they can generate revenue, serve customers, and operate, but don't yet have the multi-year financial history that traditional banks require. That gap in the market is where our desk specializes.
Because operating history is short, underwriting shifts to other signals: personal credit score, monthly revenue trends, industry risk profile, and any collateral or receivables available to back the loan. The amounts are typically smaller than for established businesses, and rates reflect the additional risk — but for a business that needs capital to grow and can't wait two more years to qualify at a bank, these products can be the bridge that makes everything else possible. If you're buying equipment specifically, our equipment financing product is often a better fit — even for new businesses — because the asset provides collateral that offsets the shorter history.
Yes, though the options narrow as operating history shortens. Lenders who specialize in early-stage businesses typically lean more heavily on your personal credit score, your industry's risk profile, and any assets or receivables that can back the loan. We surface what's actually available based on your profile rather than filtering you out upfront.
Significantly. When business history is short, lenders often treat the owner's personal credit as a proxy for how the business will manage debt. A score in the mid-600s is a common floor; scores above 700 open more doors and better rates. If your personal credit needs work, that's worth addressing before or alongside your financing search.
If the capital you need is for a specific piece of equipment, equipment financing is almost always the better path — even for newer businesses. Equipment loans are collateral-backed, which makes lenders more comfortable regardless of how long you've been operating. Startup financing is better suited for working capital, inventory, or other uses where there isn't a physical asset to secure the loan.
Apply in minutes. Soft credit check only. We show you what's actually available for your business — no commitment required until you choose.