How to Get Funding as a Startup with No Revenue

Getting funding as a startup with no revenue is challenging but not impossible. The key is understanding which funding sources don't require existing revenue and positioning your application correctly.

Funding Options for Pre-Revenue Startups

Personal Credit-Based Business Loans — Some online lenders offer business loans based primarily on the owner's personal credit score. With a 680+ score, you may qualify for $25,000-$150,000.

SBA Microloans — The SBA Microloan program provides up to $50,000 to startups and small businesses. These are administered through nonprofit intermediary lenders and often come with business counseling.

Business Credit Cards — Secured and unsecured business credit cards can provide initial capital. Cards like the Chase Ink, Capital One Spark, and Brex offer $10,000-$50,000+ in credit.

Equipment Financing — If your startup needs equipment, the equipment itself serves as collateral, reducing the lender's risk. Some equipment lenders work with startups.

Crowdfunding — Platforms like Kickstarter, Indiegogo, and Republic allow you to raise capital from the public.

Angel Investors & Venture Capital — For high-growth startups, equity financing may be appropriate.

Building Fundability from Day One

1. Incorporate your business (LLC or Corp)
2. Get an EIN from the IRS
3. Open a dedicated business bank account
4. Apply for a DUNS number
5. Open 3-5 Net 30 vendor accounts
6. Get a business credit card and use it responsibly

The Path Forward

Most startups need 6-12 months of revenue history to access the full range of business funding products. Use the options above to bridge that gap, and focus on generating revenue as quickly as possible to unlock better terms.