Home › Funding guides › Business Loan for New Business No Revenue

Business Loan for New Business No Revenue

Dated October 14, 2026

Business loan for new business no revenue is a common search for owners just getting started. Without sales, approval depends less on revenue and more on you: your personal credit, your plan, and what you're putting into the business. It's harder than borrowing with sales history, but owners in this position do have some paths.

What lenders weigh when a new business has no revenue

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

Paths new owners 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.

Get ready before you apply

• Register the business and get an EIN.
• Open a separate business bank account.
• Write down how much you need and exactly what it's for.
• Check your personal credit reports and fix any errors.

See what fits your business