Financing Program
Startup Business Loans & Funding
Startup financing requires creative structuring — traditional lenders require 2+ years in business, so we focus on programs that evaluate the founder, the industry, and the plan. SBA loans, equipment financing, and alternative capital are all viable paths.
Loan Range
$25,000 – $5,000,000
Term Range
Varies by program
Structure
Capital pathways for early-stage and pre-revenue businesses
What It's Used For
Common Use Cases
Fund a business acquisition as a market entry strategy
Launch a franchise location with an SBA loan
Acquire equipment to begin initial operations
Bridge early-stage revenue gaps with short-term capital
Structure a capitalization plan lenders will approve
Program Details
Key Features
SBA startup programs for qualified borrowers
Collateral-backed lending for early-stage companies
Equipment financing with manufacturer support programs
Revenue-based options for post-launch businesses
Franchise-specific startup programs with dedicated underwriting tracks
Capitalization plan structuring for bank presentation
How It Works
How This Financing Is Structured
Startup financing is often structured through SBA programs that allow projections-based underwriting with limited operating history. Equity injection requirements (typically 10–30%) and personal guarantees are standard. Collateral is evaluated broadly — not just business assets.
Fit Assessment
Is This the Right Program?
✓ This program IS a good fit when:
- →Pre-revenue businesses with strong founder profiles
- →Companies with signed contracts or LOIs
- →SBA-eligible startups with industry experience
- →Businesses with sufficient collateral or equity injection
✗ This program is NOT the right fit when:
- ✗Pre-idea stage with no business plan or financials
- ✗Borrowers with recent foreclosures or judgments
- ✗Businesses in high-risk or SBA-ineligible industries
- ✗Operators unwilling to provide personal guarantee
Common Questions
Frequently Asked Questions
Can I get a business loan with no revenue?
Yes, through certain SBA programs and lenders that underwrite projections. Strong personal credit, industry experience, equity injection, and a detailed business plan are typically required.
What is an equity injection?
An equity injection is the borrower's own cash contribution to the project. SBA startup loans typically require 10–30% equity injection, demonstrating skin in the game and reducing lender risk.
Do I need a business plan?
For startup financing, yes. Lenders need to evaluate your revenue projections, market analysis, management team, and capital use plan. A well-structured business plan significantly improves approval odds.
Keep Exploring
Related Programs
Lines of Credit & Term Loans
Flexible working capital structured around your cash flow
Learn more →Commercial Real Estate Loans
Acquisition, refinance, and construction for income-producing properties
Learn more →SBA 7(a) & 504 Loans & Rates
Government-backed financing for owner-operated businesses
Learn more →From the Insights Library
Related Reading
Ready to Move Forward
Explore Startup Options
No cost. No obligation. A direct conversation about whether this program fits your deal.