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Startup Business Loans With No Revenue

Dated October 14, 2026

Startup business loans with no revenue are hard to find, because most lenders decide based on money that's already coming in. If your business hasn't made sales yet, lenders will lean on other things, such as your personal credit, collateral, and your plan.

What lenders look at when there's no revenue

• Personal credit history
• Collateral or equipment that could secure the financing
• A personal guarantee
• Your business plan and projections
• Your own money invested in the business
• Industry experience

Options owners without revenue often look at

• Equipment financing. The equipment itself secures the financing.
• Credit-based startup financing. Some financing is based on the owner's personal credit rather than business revenue. On Fundseta, this path is U.S. only and generally needs personal credit of 700 or higher. It is not a promise of approval.

Steps that can help

• Form your business and open a business bank account.
• Build business credit early.
• Write a clear plan that shows how the money will be used and repaid.
• Start generating revenue, even a small amount, because more options open up once you have it.

See what fits your business