Every business starts with an EIN — and building funding around your business, rather than leaning entirely on personal credit, is the goal for most owners. Business loans using your EIN focus on your company's revenue and assets, with options that work even for newer businesses still building history.
What "EIN funding" really means
Truly EIN-only funding with zero owner review is rare — but you can get financing that leans on your business rather than your personal FICO. When your business shows steady deposits, or when the loan is secured by equipment you're buying, approval rests on the business itself, and many programs carry no minimum credit score.
Best options by stage
Established revenue (4+ months)
Revenue-based working capital approves on your business deposits — often no tax returns and no minimum FICO. Your bank statements do the qualifying.
Buying equipment
Equipment financing is secured by the equipment itself, so it's one of the most accessible options for a new business — often with no minimum time in business.
Brand-new startup, little revenue
Options are more limited, but startup-friendly programs exist. A no-cost advisor will tell you honestly what fits your stage — with no obligation.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | 4+ months (equipment: no minimum) |
| Monthly revenue | $10,000+ in deposits (revenue-based) |
| Credit score | No minimum on many programs |
| Documents | EIN, 1-page application + bank statements |