Key takeaways
- Most online lenders want 6 months of history first.
- Equipment loans and SBA microloans are common first steps.
- A clean business bank account now unlocks more later.
How startup business funding works
Most online lenders want at least 6 months in business and steady revenue. 1West, for example, lists 6 months, 4 months of bank statements and $15K monthly revenue.
New businesses still have paths: business credit cards, equipment financing, SBA microloans, and building the bank history that unlocks bigger funding later. Our startup guide walks through each one.
Published terms for startup business funding
| Lender | What they offer | Speed | Published minimums | Source |
|---|---|---|---|---|
| 1West | Worth a look once you have some history | Fast offers when you qualify | Its standard bar is 6 months and $15K a month | 1West website |
| SBA microloans | Up to $50,000; the average is about $13,000 | Varies by intermediary | For-profit, U.S.-based and small by SBA standards | SBA microloans website |
Checked Oct 23 2026. Lender terms change often.
How to set yourself up
Open a separate business account, run every sale through it, and keep your personal credit healthy. At 6 months of steady deposits, far more lenders will talk to you.
Questions owners ask
Can I get a loan with no revenue?
It is hard, but not impossible. Equipment financing and personal credit-based options are the usual starting points.
When do more options open up?
Around 6 months in business with consistent deposits, and again at 1 to 2 years.
Where should I start?
Tell Guru where you are today. You will get the best first step, plus our startup funding guide.