3+ Months in Business · Bad Credit OK · Same Day
Startup business loans — funded from month 3.
Most startup founders are told to wait 2 years for a business loan. Summit doesn't. We fund startup business loans from $5,000 to $250,000 starting at month 3, with options for bad credit, limited revenue, and equipment-secured borrowing. One application, 70+ startup lenders competing.
- Min TIB
- 3 months
- Capital
- $5K – $250K
- Min FICO
- 500+
- Fund Speed
- Same day
Your options
Six startup business loan products that actually fund.
Startup MCA
$5K – $250KSame day
Funds startups with 3+ months of revenue. Underwrites deposits and ledger balance, not time in business.
Equipment Financing (Startup)
$15K – $500K1–5 days
Asset-secured, so startups qualify on the equipment + down payment instead of long credit history.
SBA Microloan
$5K – $50K3–6 weeks
Government-backed startup loan up to $50K. Slower close, but lowest cost in the startup tier.
Startup Line of Credit
$10K – $100K1–3 days
Revolving credit for startups with FICO 600+ and 6+ months of deposits. Draw what you need.
Business Credit-Card Stack
$15K – $150K2–4 weeks
Curated 0% intro APR business credit cards stacked for working capital. FICO 680+.
Revenue-Based Startup Funding
$10K – $100K1–3 days
Repay as % of monthly revenue. Best for SaaS, e-commerce, and recurring-revenue startups.
FAQ
Startup business loans, answered.
How to get a startup business loan?
To get a startup business loan, you typically need one of: 3+ months of business revenue (for MCA / revenue-based products), strong personal credit 680+ (for unsecured term loans), equipment collateral (for equipment financing), or SBA microloan eligibility. Summit matches your profile to the right startup lender on a soft pull — no application fee.
Can I get a startup business loan with bad credit?
Yes. Summit funds startup business loans with bad credit through revenue-based products (FICO 500+ with 3+ months of deposits), equipment financing (collateral-driven), and merchant cash advances. Pricing reflects the risk, but approval is realistic if you have any business revenue.
Can I get a startup business loan with no revenue?
Limited but possible. Options include SBA microloans (up to $50K, credit-driven), credit-card stacking, business credit-builder loans, equipment financing with strong down payment, or personal loans for business use. Most lenders want to see 3+ months of revenue before offering meaningful capital.
How much can a startup borrow?
Startup loan amounts depend on revenue, credit, and collateral. With 3 months of revenue and FICO 550+, expect $5K–$50K. With 6+ months and FICO 680+, $25K–$150K. SBA microloans go up to $50K. Equipment financing is sized to the asset.
What's the easiest startup business loan to get?
The easiest startup business loans are typically MCA and revenue-based products — they underwrite deposits instead of credit, fund same day, and accept 3+ months in business. Equipment financing is also accessible because the equipment itself serves as collateral.
How fast can a startup get funded?
Same day for MCA and revenue-based products. 1–7 days for equipment and short-term loans. 3–6 weeks for SBA microloans. Summit pre-qualifies in minutes so you know speed and price before committing.
Startup capital — same day, soft pull.
Soft-pull pre-qualification. No obligation. Same-day decisions on revenue-based products.