What "Startup" Funding Actually Means
True pre-revenue startup capital comes from one of three sources: founders/friends/family, accelerators (Y Combinator, Techstars, etc.), or angel/venture capital. Lenders do not lend to pre-revenue businesses because there is no cash flow to repay against.
Most United States operators searching for "startup business loans" actually have 6-24 months of operating history and want growth capital. That is widely available — and what we provide.
United States Startup Funding by Stage
Pre-revenue (0–6 months operational): friends/family, founder credit, business credit cards, microloans from CDFIs (community development financial institutions like Accion, LiftFund). Lenders do not fund here.
United States Programs Specifically for Newer Businesses
- **Black Business Loan Program (United States)**: state-supported program for Black-owned United States businesses
- **CDFI loans**: Accion Opportunity Fund, LiftFund — slower, lower rate, need real documentation
What We Offer for United States Newer Businesses
- Future renewal/refinance into better terms after first program seasons