Traditional lenders typically evaluate creditworthiness based on income, making it difficult for new or pre-revenue businesses to qualify. However, alternative funding options exist for entrepreneurs who need capital despite lacking revenue. Here’s how to get a business loan with no revenue.

1. Explore Personal Loans for Business Use

If your business hasn’t generated revenue yet, lenders may assess your personal financial health instead. A strong personal credit score (670 or higher) can help you qualify for a personal loan, which you can then use for business expenses. Keep in mind that personal loans typically have lower borrowing limits than business loans.

2. Consider a Business Credit Card

Business credit cards are a flexible financing option, especially for startups. Many issuers approve applicants based on personal credit rather than business revenue. Look for cards with:

(to avoid interest on early purchases)

on business expenses

(to minimize costs)

3. Apply for a Secured Loan or Line of Credit

If you have collateral (such as real estate, equipment, or savings), a secured loan may be an option. Lenders are more willing to approve these loans because they reduce risk. Alternatively, a secured business line of credit provides revolving access to funds.

4. Seek Out Microloans or Nonprofit Lenders

Nonprofit organizations and microlenders, such as Accion or Kiva, offer small loans to startups and underserved entrepreneurs. These lenders often focus on your business plan and potential rather than revenue history.

5. Leverage Crowdfunding or Investor Funding

If traditional loans aren’t an option, consider alternative financing methods:

(e.g., Kickstarter, Indiegogo)

(selling small stakes in your business)

(for high-growth startups)

6. Use Invoice Financing or Purchase Order Financing

If your business has pending invoices or confirmed orders (but no revenue yet), invoice financing or purchase order (PO) financing can provide upfront cash based on future earnings.

7. Improve Your Credit and Business Profile

Since lenders may rely on personal credit when business revenue is lacking, take steps to strengthen your financial standing:
– Pay down existing debt
– Correct errors on your credit report
– Establish business credit with a DUNS number and vendor accounts

Final Thoughts
While getting a business loan with no revenue is challenging, it’s not impossible. By exploring personal loans, credit cards, microloans, or alternative funding, you can secure the capital needed to grow your business. Always compare terms, interest rates, and repayment options before committing to any financing solution.

Would you like recommendations for specific lenders based on your business type? Let me know how I can assist further!