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Startup Business Loans
Financing for new businesses and entrepreneurs. Equipment financing, microloans, and credit lines for companies under 2 years old. One application to 75+ lenders. Powered by National Business Capital.
National Business Capital network figures.
Understanding Startup Business Loans
Startup business loans are financing options designed for businesses under 2 years old that lack the operating history traditional lenders require. They include equipment financing, microloans, and revenue-based options that weigh the business plan and owner profile over track record.
How It Works
Since startups lack the revenue history and time in business that conventional lenders require, these programs use alternative qualification criteria. Equipment financing secures the loan with the asset, microloans offer smaller amounts with mentorship, and revenue-based options look at early traction.
Key Terms & Eligibility
$5K to $500K
1 to 5 years
12% to 40% APR
2 to 14 days
600
Varies; equipment for equipment loans
One application returns matched offers from 75+ lenders, so you compare instead of guess.
Who Should Use Startup Business Loans?
New businesses, entrepreneurs, and founders who need capital to launch or grow but do not yet have 2+ years of operating history or strong revenue figures.
Common Uses
- Launch inventory and initial stock
- Equipment and machinery for a new operation
- Marketing and customer acquisition
- Buildout and leasehold improvements
Pros & Considerations
Pros
- Available to businesses under 2 years old
- Multiple product types for different needs
- Equipment financing can work from day one
- Builds business credit history
Considerations
- Higher rates than established business loans
- Lower amounts available
- May require personal guarantee
How You Qualify
Lenders weigh the whole business, not just a score:
- Time in business and revenue (min. 0 (startup-friendly), Varies by program)
- Bank deposit consistency and cash flow patterns
- Owner credit (min. 600), as one input among several
- Collateral or asset value, where applicable
Strong revenue or valuable assets can carry a deal that credit alone would not.
How to Apply
- Tell us how much you need and what for. One form, no fee to apply.
- Share basic business and owner details. No hard credit pull to pre-qualify.
- Send recent bank statements, plus equipment quotes, invoices, or financials if relevant.
- Compare matched offers from 75+ lenders and pick what fits.
FAQ
Can I get a business loan with no revenue?
Some programs work with pre-revenue startups. Equipment financing can qualify based on the asset value, and SBA Microloans consider your business plan. However, most lenders prefer to see early revenue or a clear path to it.
What is the best loan type for a new business?
It depends on your needs. Equipment financing is often the easiest to get because the equipment secures the loan. Microloans offer smaller amounts with mentorship. Revenue-based financing works if you have early sales. The NBC network matches you across all options.
Do startup loans require a personal guarantee?
Most startup financing requires a personal guarantee from the owner, since the business lacks the track record lenders use to assess risk. This means you are personally responsible if the business cannot repay.
How much can a startup borrow?
Startup loan amounts typically range from $5K to $500K, depending on the product type, your credit, and any existing revenue. Equipment financing can go higher if the asset value supports it.
Is there a hard credit pull to pre-qualify?
No. There is no hard credit pull to pre-qualify through the NBC network, so checking your options does not affect your credit.
Can I get an SBA loan as a startup?
SBA loans generally require 2+ years in business, but the SBA Microloan program and some 7(a) lenders work with newer businesses. A strong business plan, projections, and industry experience can help you qualify.
What documents do I need for a startup loan?
Expect to provide a business plan, financial projections, personal tax returns, business bank statements (if available), and details about how you will use the funds. For equipment financing, add a quote or invoice for the equipment.
Comparing Startup Business Loans to Other Options
- vs. SBA Loans: SBA offers lower rates and longer terms but takes 30-60 days. Startup Business Loans funds significantly faster but at higher rates.
- vs. Equipment Financing: Equipment financing is secured by the asset and limited to equipment purchases. Startup Business Loans offers broader use of funds.
- vs. Working Capital Lines: Working capital lines are revolving and best for ongoing needs. Startup Business Loans provides a lump sum suited to specific capital needs.
Related Financing Options
- SBA Loans — government-backed, lowest rates
- Equipment Financing — asset-secured, fast approval
- Working Capital Loans — revolving, flexible use
- Business Line of Credit — draw only what you need
Sources
- U.S. Small Business Administration, start your business: sba.gov/business-guide/start-your-business
- SBA Microloan program: sba.gov/funding-programs/loans/microloans
- Federal Reserve, Small Business Credit Survey: fedsmallbusiness.org/
About Manu
Manu is a digital platform that helps US manufacturers and small businesses list facilities, showcase capabilities, and market products.
About National Business Capital
National Business Capital is a fintech financing platform that connects businesses with 75+ lenders, $3B+ secured nationwide since 2007.
Verified Reviews
Businesses funded through the National Business Capital network have left 3,000+ five-star reviews on Google and Trustpilot. NBC has secured over $3B in financing since 2007 and maintains an A+ rating. Read verified reviews on NBC's website.
This page was last reviewed July 11, 2026 by Malik Samara, Managing Partner. Our editorial team reviews and updates content on a rolling basis. Learn about our editorial standards.
Manu Business Lending is a paid referral partner of National Business Capital. Financing is provided by NBC and its lender network, not by Manu, and all loans are subject to lender approval, terms, and conditions.