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Can I Get Business Funding

How to get a startup business loan with no revenue

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Short answer: most business lenders want revenue history, so a brand-new business usually funds through the owner instead. That means your personal credit, income, or savings do the heavy lifting.

Want a quick read on your options? Five questions, no credit pull.

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Paths that can work before you have revenue

  • A personal loan used for the business, based on your own credit and income
  • Business credit cards, often approved mostly on personal credit
  • Using retirement savings to fund the business without taking on debt
  • Microloans from community lenders and nonprofits, which often work with startups

How to improve your odds

  • Keep your personal credit strong and your debt low
  • Form your business entity and get an EIN early
  • Open a separate business bank account
  • Have a simple plan showing what the money is for and how it pays back

What to watch

Funding a business with personal debt puts your own credit on the line. Borrow only what the plan needs.

Related guides

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.