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Startup Business Loans

You’ve got the startup, now get the funding.

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$ .00
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Loan Amount

$500-$750,000

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Loan Term

Up to 25 Years

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Time to Funds

As soon as 2-4 Weeks

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Interest Rate

As little as 0-17%

Launch your startup to greatness

Transforming your business from an idea into reality can be expensive, but a startup business loan might be exactly what you need to make it happen. Fortunately, we’re here to help you find the perfect one and easily apply.

 

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Get to Know Startup Business Loans

Be your own startup accelerator with a startup business loan. It’s a financial cushion that can take some unnecessary stress and backbreaking work out of building a business. With it, you can hire staff, lease office space, increase inventory, buy equipment, or simply cover monthly expenses while you’re growing.

How can a startup loan accelerate my small business?

A startup loan empowers you to invest in your own business. Instead of giving up equity to investors, a startup loan lets you keep it while providing access to the working capital your startup needs. That means you’ll have the freedom to move into a larger office space or order the inventory you need to fulfill those massive purchase orders that keep rolling in.

Can I get a startup business loan with bad credit?

Startup loans are awarded based on the business owner’s personal credit history. That’s one of the aspects that makes startup business loans such an accessible financing option for new businesses.

If you have a poor credit history, you may still qualify. Before you commit to a startup loan, you’ll want to consider what’s affected your credit history in the past. If you have a history of late payments, it’s in your best interest to consider whether you can afford the loan and if you can meet the payment schedule. For those looking to build credit, a business credit card can be an excellent fit because it provides access to financing and an opportunity to build credit for your business—and you’re not required to use the capital.

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Options for Startup Financing

Like any form of lending, your startup small business loans come in all shapes and sizes. Rather than going to friends or family for the capital needed to manifest your dreams, you could consider better options.

Loan Type

Loan AmountTime to Funds

Business Term Loans

   $5,000 – $2,000,000    

As little as 24 hours

SBA Loans

Up to $5,000,000

30 – 90 days

Business Line of Credit

$1,000 – $500,000

As little as 24 hours

Merchant Cash Advance

$2,500 – 500,000

As little as 24 hours

Business Credit CardsLimit Varies

Just a swipe away

 

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Before You Apply for a Startup Loan

Before committing to your startup loan, it’s essential you identify your business needs, determine how much you can actually afford, and know exactly what you bring to the table.

Know How Much You Can Afford

Borrowing only what you know you can repay is always a good idea, but it’s especially important when you’re starting a business. Before signing on the dotted line, make sure you’ve calculated how much financing your small business can afford.

In addition to your loan amount, startup loans are determined by your interest rate, term, and collateral. These factors can vary substantially depending on the type of startup loan you choose. You can use our startup loan calculator to estimate your monthly payments.

Show Us What You’ve Got

Any lender that isn’t going to charge you like a loan shark or turn out to be an actual scam will have an interest in your credit score. So you’ll want to have a healthy one of 680 or above before applying. 

If your score needs a bit of work, there are tools and methods to build your business credit before applying.

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Apply for a Startup Business Loan The Lendio Way

Apply for a startup loan in the time it takes to pick up your morning latte. Fill out an application in minutes and compare startup loan options from our network of 75+ premium lenders.

Why Lendio

  • 12,000,000,000+ Dollars Funded
  • 300,000+ Loans Facilitated 
  • 11+ Years Dedicated to You

How to Apply

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FAQ

How do I get a startup or government loan to start a business?

The process to get a startup loan or something exciting like an SBA or government loan can be a stressful venture. Fortunately, rather than spending days or weeks hunting for the right loan, you can easily apply through Lendio, and we’ll help you choose the best startup solution for your unique situation.

What is the average business startup loan?

Loan types and amounts vary depending on your situation. Through Lendio, you can find loan options that offer up to $2,000,000. With that chunk of change, you could build the business of your dreams, but the first step is to apply.

How much of a deposit or down payment do I need for a business loan?

While some loans may require some money upfront, you likely won’t need to worry about that with many of your startup lending solutions. That said, the best way to know for sure is to get your free application in and speak to one of our loan experts.

Quotes
I recently started a small inventory-based business and needed financing to help cover startup costs. Lendio and its representatives came through for me in spectacular fashion. I was able to obtain both business and personal credit lines that allowed me to order merchandise to be fully stocked ahead of our opening. It did not stop there, though! They offer counseling to maximize my credit profile to ensure I can continue obtaining financing as my business grows. The confidence with which Lendio handled my application was a relief. Thanks for everything!
Jose Q.

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