Small business loans

Startup loans

Capital for a business that is just getting started.

Apply now

Free to apply. No credit impact to submit².

Business owner in an apron reviewing a tablet at a lumber yard

More lenders. More paths. More funding potential.

From one strong funding option to 0% credit stacking to strategic capital stacks up to $500,000.

No LLC, no collateral, no down payments, and no equity dilution required for many options.

Rates starting at 0%

That’s right, you could pay no interest for up to 24 months in our credit program.

Terms up to 10 years

Keep your stress low with a huge repayment window in our unsecured program.

Amounts, 0% rates, and terms up to 10 years depend on the partner and the program. Not every option is available to every applicant, and applying does not guarantee an offer.

What it is

A newer business often cannot show years of bank deposits. Startup products look more closely at you: your credit, your income, how the business is formed, and what the funds are for. Approval is not guaranteed, and a partner may still decline a pre-revenue application.

Startup funding is for founders and newer businesses that do not yet have a long sales history. Partners usually start with the owner’s credit and personal income.

Who it is for

Founders who need capital before the business has meaningful revenue
Owners with strong personal credit and income to support a payment
A specific use, such as equipment, a first inventory order, or opening costs

What partners often look for

Credit

Strong personal credit is the usual starting point

Time in business

Pre-revenue and newly formed businesses can apply

Income

Personal income the partner can review

Bank statements are not required when you apply as a startup.

How to apply

1
Apply in minutes
Tell us about the business, the amount, and what the funds are for. Applying is free.
2
Get connected
One Funding shares your application with lending partners. Those partners decide whether to make an offer.
3
Review any offer
If a partner approves you, read the amount, cost, and payment schedule before you accept. Funding speed depends on that partner.

Questions

Can I apply if the business has no revenue yet?

Yes. Choose startup on the application. Bank statements are not required for that path. Partners still review personal credit, personal income, and the use of funds.

Do I need to be incorporated?

You should be able to describe the business and its formation status. Some partners want an entity already filed. Others will look at a founder who is in the process of forming one.

Is this a grant?

No. This is financing a partner may offer. If you accept, you repay it under that partner’s terms. Applying does not guarantee an offer.

Apply for Startup Loans

One application. No obligation. Partners decide whether to offer funds.