Launch Your Business With Real Capital
Startups can qualify for SBA 7(a) loans — but the bar is higher. We help you understand what lenders require, build a credible package, and walk into a bank ready to win.
Startup Loans Require More Documentation
Without operating history, lenders rely heavily on your business plan, financial projections, owner experience, and equity injection. You should expect to invest 20–30% of total project costs from personal funds. Our platform helps you build a compelling, lender-ready package.
What Lenders Look For in Startups
Without operating history, these five factors determine your approval odds.
Financial Projections
3-year monthly cash flow projections showing DSCR ≥ 1.15x by month 12–18. Must be realistic, supported by market data, and tied to a revenue model.
Owner Experience
Industry expertise reduces execution risk. 2–5+ years of relevant management experience is strongly preferred and documented in your resume/bio.
Strong Personal Credit
With no business credit history, your personal score (680+) is the primary creditworthiness indicator. Review and clean your credit before applying.
Equity Injection (20–30%)
You must invest personal capital into the project. This can come from savings, retirement funds (ROBS), gifts, or seller financing — all documented.
Detailed Business Plan
A professional business plan covering market analysis, competitive landscape, operations plan, management team, and financial assumptions.
Collateral
Personal real estate, equipment being purchased, or other assets strengthen the application. The SBA does not require full collateral coverage but expects all available collateral pledged.
Acceptable Equity Injection Sources
Personal savings (bank accounts)
Must be sourced for 60–90 days
ROBS (Rollover for Business Startups)
401k/IRA funds used without penalty via C-Corp structure
Cash-out refinance on personal home
Home equity can be converted to injection capital
Gift funds (from family)
Must be documented with gift letter; no repayment expected
Seller financing (partial)
Seller carry-back on acquisition or real estate
Other investor equity
Outside investors can contribute; ownership stake affected
Typical Loan Terms for Startups
Frequently Asked Questions
Everything you need to know about SBA startup financing.
Ready to Launch?
Our AI reviews your business plan, projections, and personal financials to tell you where you stand — before you sit down with a lender.