Startup business loans 2026 — what works for new businesses.
Rankings based on speed of funding, approval rates, transparency of terms, customer experience, and total cost. Updated annually.
Once you have 6+ months and $15K+ monthly revenue.
Requirements: 6+ months, $15K+ monthly, 500+ FICO
Personal-credit based, available immediately for new businesses.
Requirements: Personal credit 650+
Up to $50K from mission-driven lenders. 6-month process typical.
Requirements: Various, mission-driven
Equipment as collateral makes startup funding accessible.
Requirements: 6+ months, equipment purchase
For true day-1 startups, before formal lending opens up.
Requirements: Personal network
Get a personalized recommendation in 4 minutes. No credit impact.
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