QUICK ANSWER
Most bank and SBA loans require revenue and time in business, so pre-revenue startups usually rely on personal-credit-based options: business credit cards (often stacked for 0% intro APR), personal loans, microloans, grants, or friends and family. If you have strong personal credit, credit stacking is often the fastest path to meaningful capital.
Why banks say no
Lenders want proof you can repay. Without revenue history, banks and SBA lenders have little to underwrite, so they typically ask for 2+ years in business and full financials.
Options that don't require revenue
- Credit stacking — several business credit cards, often with 0% intro APR, based on personal credit.
- Personal loans — fixed payments, based on personal income and credit.
- Microloans — smaller amounts from nonprofit lenders, often with mentoring.
- Grants and competitions — free money, but competitive and slow.
- Friends, family or partners — flexible, but put relationships on the line.
Choosing the right one
If you have strong credit and need capital quickly, stacking can deliver more than a microloan and faster than grants. If your credit needs work, focus on improving it first — it unlocks better options later.
See how much you could stack
680+ FICO, no revenue required. Checking your options won't hurt your credit.
Check my credit stacking optionsFrequently asked questions
Can I get funding before I launch?
Yes, personal-credit-based options like business credit cards don't require an operating history.
Do I need a business plan?
Not for most card applications, but a clear plan for using and repaying the money is essential.