Funding for Newer Businesses
Once your business has a few months of revenue behind it, you have real options. See what you qualify for with no hard credit check.
Working Capital • Business Line of Credit • SBA Loans • Equipment Financing
Top Rated
USA & Canada
No Collateral
100% Unsecured
Same Day
Fast Approval
What Counts as a Startup Here
Most lenders, FundZip included, aren't able to fund a business on day one with no revenue history — that's simply a different, much higher-risk category of financing than what we offer. Where we can help is the moment your business has at least 3 months of operating history and is generating revenue: that's when real funding options open up.
If you're earlier than that, the most useful thing you can do is build a short track record of revenue, then come back — we'd love to help you grow from there. Once you qualify, options include working capital loans, a business line of credit, and even SBA programs depending on your qualifications.
What You'll Need
At least 3 months in business with consistent revenue is the baseline. Beyond that, we look at your business's overall financial health rather than requiring a specific credit score or years of tax returns the way a traditional bank might.
Setting Realistic Expectations
Because newer businesses carry more risk for a lender, early-stage funding often comes with shorter terms or higher rates than a business with several years of history. As your revenue and track record grow, so do your options — a smaller, faster loan now can help build the history that unlocks better terms later.