Yes, but your options narrow. Startup loans for pre-revenue businesses typically require a personal FICO score of 680 or higher, a detailed business plan, and either collateral or a personal guarantee. SBA Microloans (up to $50,000), business credit cards, and equipment financing are the most accessible categories for businesses with no revenue history.
| Option | Typical Max Amount | Min FICO | Best For |
|---|---|---|---|
| SBA Microloan | $50,000 | 640 | Startup capital, inventory, equipment |
| Business Credit Card | $10,000 to $50,000 | 680 | Short-term working capital |
| Equipment Financing | Up to 100% of cost | 600 | Specific equipment purchase |
| Personal Loan for Business | $50,000 | 660 | Founder-stage capital |
| CDFI Loan | $5,000 to $250,000 | Varies (mission-based) | Underserved markets, women, minorities |
| Crowdfunding (Kiva, Honeycomb) | $15,000 to $1M | No minimum | Mission-driven or community businesses |
Sources: lender published rate tables and policy documents as of June 2026. Rates and qualification criteria change frequently. Confirm with each lender before applying.
Most lender directories filter out applicants with no revenue automatically. We surface the specialty programs that work with pre-revenue businesses, including SBA Microloans, community development financial institutions (CDFIs), and equipment-secured lenders.
Pre-revenue lenders have specific qualification rules that change often. See which lenders are accepting startup applications this week.
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