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Can I Get Business Funding

How long do you need to be in business to get a loan?

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Short answer: it depends on the lender. Banks and SBA lenders often look for about two years of history, while many online lenders start much sooner.

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What different lenders look for

  • Banks and SBA lenders: often about two years of business history
  • Many online lenders and revenue-based funders: around six months to a year, with steady monthly deposits
  • Under six months: funding usually comes through the owner, such as personal credit, personal loans, business credit cards, or microloans

While you wait

  • Keep business and personal money separate
  • Deposit all revenue into the business bank account
  • Build business credit under your EIN

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This guide is general education, not financial, legal, or tax advice. AJV Ventures LLC is not a lender. Lender requirements vary, so confirm terms directly with any lender before you apply.