Getting a new business funded is all about matching the right program to your stage. Traditional banks want years of history you don't have yet — but there are real options for startups, especially once a little revenue starts flowing. Here's the honest breakdown.
Best startup funding by stage
You have a few months of revenue
Once you're taking in deposits, revenue-based funding becomes available — approved on your bank statements, often with no tax returns and no minimum credit score. Many programs work with as little as 4 months in business.
You're buying equipment
Equipment financing is one of the most startup-friendly options because the equipment secures the loan — often with no minimum time in business and credit down to ~580.
You're pre-revenue
Options are more limited, but startup-friendly programs and financing built around your business EIN rather than personal credit can work. Grants are also worth pursuing — see our startup grants guide.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | 4+ months (equipment: no minimum) |
| Monthly revenue | $10,000+ (revenue-based) |
| Credit score | No minimum on many programs |
| Documents | EIN, application + bank statements |