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.
Early revenue (6-18 months, $10K-$50K monthly): working capital and revenue-based financing become accessible. Funding amounts $25K-$150K typical. SBA microloans (up to $50K) also possible.
Established (18+ months, $50K+ monthly): full range of products available — working capital, equipment financing, lines of credit, term loans, SBA 7(a).
United States Programs Specifically for Newer Businesses
- **United States Microfinance Loan Program**: state-supported program for businesses under 5 years old, loans $5K-$50K
- **SBA Microloan Program**: up to $50K via local CDFI partners
- **Black Business Loan Program (United States)**: state-supported program for Black-owned United States businesses
- **Veteran Business Loans**: SBA Veterans Advantage 7(a) and similar programs
- **CDFI loans**: Accion Opportunity Fund, LiftFund — slower, lower rate, need real documentation
What We Offer for United States Newer Businesses
If your United States business has been operating 6+ months with $10K+ monthly revenue:
- Working capital $25K-$5M, funded in 4-24 hours
- Equipment financing for vehicles, equipment, technology
- Revenue-based financing with payment that scales with revenue
- Future renewal/refinance into better terms after first program seasons