Do I need revenue to qualify?

No — on this credit-based channel there's no minimum business age or revenue. Qualification leans on your personal credit.

Is there a 0% promotional period?

Some credit-based programs advertise promotional rates. We won't promise specific promotional terms — confirm the actual credit structure, conditions, fees, and post-promotional terms during your review.

Will you ask for bank statements?

Not for this credit-based program. We don't impose revenue-based bank-statement requirements on a credit-based startup channel.

How much can a startup access?

Up to $150,000 on this channel, subject to credit and underwriting. We'll confirm what's available for you.

Does this build business credit?

Reporting practices vary by partner. We can confirm a given partner's reporting practice during your review.

Can I combine this with other funding later?

Often yes. Many startups begin here and add revenue-based products once they have deposit history. We can help plan the sequence.

Business Funding

Startup Funding

Credit-based funding for new businesses without revenue history.

Startup funding helps brand-new businesses access capital before they have an established revenue or banking history. On a credit-based startup channel, qualification leans on the owner's personal credit rather than business financials — so it can fit a pre-revenue or newly formed business that wouldn't yet qualify for revenue-based products. Because it's credit-based, it doesn't impose the bank-statement and deposit requirements that revenue-based programs do.

Explore Startup Funding Options Help Me Find the Right Fit Call 877-315-5729

Minimum Requirements & Program Details

These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.

Reveal Credit-Based Startup Funding

Reveal partner channel

Minimum credit: 680+ FICO
Time in business: No minimum business age
Revenue: No minimum revenue on this channel
Financing amount: Up to $150,000
Term / structure: Credit-based; confirm the actual credit structure, promotional conditions, fees, and post-promotional terms during your review

Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.

Common uses

Covering early operating costs before revenue stabilizes
Initial marketing and customer acquisition
Equipment or inventory for a launch
Working capital for a newly formed entity

When it fits

Your business is new or pre-revenue
Your personal credit is strong
You don't yet meet revenue-based program minimums

Consider instead

How it generally works

1Qualification leans on the owner's personal credit profile.
2No minimum business age or revenue is required on this channel.
3A recent credit report is requested securely after initial intake.
4Funding structure and any promotional terms are confirmed during your review.

Factors funding partners may consider

Owner personal credit profile
Business formation and ownership
Stated use of funds
Overall debt capacity

Documents to prepare

We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.

Initial Review

Signed application
Business formation / entity details

Additional Underwriting & Closing

Recent credit report (requested securely after intake)
Personal identification

Curious whether this fits your situation?

Request a review — we'll confirm fit and suggest alternatives if another product suits you better.

Explore Startup Funding Options

Illustrative scenario

A newly formed service business with strong owner credit but no revenue history accesses startup capital to cover launch costs, qualifying on personal credit rather than business financials. Actual structure and terms depend on the partner and underwriting.

How it compares to related products

vs. Working Capital

Working capital requires revenue and deposit history; credit-based startup funding leans on personal credit instead.

Learn more

vs. Equipment Financing

Equipment financing is secured by a specific asset; startup funding is broader but credit-based.