Startup Business Financing
Funding options before two years of tax returns
Most commercial lenders want two years of history. Loanwise Solutions works with the subset of programs built for new businesses — credit-based startup funding, equipment financing, and SBA structures that count owner experience.
Cash flow challenges we see
- No business revenue history to underwrite
- Personal credit carries the entire file
- Equipment and inventory are needed before the first sale
- Bank declines arrive with no explanation or alternative
What owners use financing for
- Fund launch costs with credit-based startup programs
- Finance the first equipment package
- Open a first location or franchise unit
- Build business credit for larger facilities later
Typical qualifying profile
- Time in business
- Day one to 24 months
- Credit
- 680+ FICO strongly preferred for startup programs
- Typical size
- $25K–$250K initially
- Speed
- 7–21 days
These are typical ranges across our lending partners, not guarantees. Loanwise Solutions is a broker, not a direct lender — final terms come from the lender we place you with.
Best financing options for startups
Startup Business Funding
Funding options for new and early-stage businesses that traditional lenders won't touch yet.
Equipment Financing
Finance or lease machinery, vehicles, and technology with the equipment itself as collateral.
SBA & Alternative Loans
SBA 7(a), 504, Express, and a wide range of alternative funding programs.
Business Lines of Credit
A flexible credit facility you can draw, repay, and reuse — interest only on what you use.
Startups financing: frequently asked questions
Can I get a business loan with no revenue?
Yes, but the underwriting shifts to you. Startup programs rely on personal credit, liquidity, and relevant industry experience, and they fund smaller amounts than revenue-based options.
What credit score do I need?
680 and above opens most startup programs. Below roughly 650, secured options such as equipment financing or a co-borrower are usually the realistic route.
Will an SBA loan work for a startup?
Sometimes. SBA lenders fund new businesses when the owner has direct industry experience, a credible projection, and a 10% to 20% equity injection.
Other industries we finance
Trucking & Transportation
Freight factoring, equipment financing, and working capital for carriers, owner-operators, and logistics companies.
Medical & Dental
Practice acquisition, build-out, equipment, and working capital for physicians, dentists, and specialty clinics.
Construction & Contractors
Working capital, equipment, and receivable financing for general contractors, subs, and specialty trades.
Ready to explore startups financing?
A 15-minute conversation is all it takes to know which lenders fit your business. No obligation.