For newer businesses

Startup Financing

Funding paths designed for businesses under two years old.

See my options →Talk to an advisor

Newer businesses have fewer options — but not zero. Startup financing brings together the paths that work without years of history: SBA Microloans, equipment financing, and credit-based options matched to where you are now.

Best for

  • Businesses under ~2 years old
  • Founders with a clear use of funds
  • Owners building toward larger financing later

Common uses

  • Initial working capital
  • First equipment
  • Inventory and launch costs

What you'll need

  • For-profit US business
  • Owner credit reviewed
  • A clear use of funds

At a glance

Typical amount
Up to ~$150,000
Paths
Microloan, equipment, credit-based
Built for
Limited operating history

Startup Financing: which structure?

A few ways this is commonly structured. Your advisor helps you pick the right one.

Up to $50,000 through nonprofit intermediary lenders, often accessible to newer businesses.

Best for: A modest amount to get moving with SBA backing.

Estimate your startup financing

Move the sliders to explore. These are illustrative figures, not an offer.

Estimated monthly payment

$1,455

Amount
$30,000
Total interest
$4,910
Total of payments
$34,910
See my real options →

Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms.

Startup Financing questions

I have no revenue yet — can I qualify?

Some paths weigh owner credit and a solid plan over revenue. Your advisor tells you honestly what's realistic now.

What if I need more later?

Many owners start here and graduate to SBA or term loans as they build history. We plan that path with you.

Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.

Other financing options

See what you qualify for today.

One application, every option compared. No fee, no obligation, no credit impact.