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You’ve got the startup, now get the funding.
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.
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.
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.
“>If your business doesn’t match any of the qualifiers below, you may not be able to receive funding from our lending partners.
AVG. MONTHLY REVENUE
TIME IN BUSINESS
Lendio has the accounting software tools to get your start-up business ready for financing.
Through the Lendio marketplace, you’ll be matched with the best options for your business.
$5,000 – $2,000,000
TIME TO FUNDS
As little as 24 hours
Up to $5,000,000
30 – 90 days
$1,000 – $500,000
Just a swipe away
Sure, you can go the bank route with a long application process and 75% rejection rate. But if you’re looking for financing in this lifetime, Lendio offers a faster, easier application process.
It’s secured with bank-grade encryption and SSL technology, so you know your information is safe.
We pair you with loan options from our network of 75+ lenders. Our dedicated funding managers can help you weigh the pros and cons of each option.
Once you’re approved, you’ll be able to access your capital in as little as 24 hours.
funded through us
lenders in our network
Sterling HannemannCo-Owner of Seven Brothers
Chloria ChandlerOwner of Bobbee O’s BBQ
The majority of financing options available will require that you have an operating business with regular monthly revenue. The chart below provides an overview of the types of loans typically available based on how long you’ve been in business. Actual approval will also depend on your credit score and revenue.
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.
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.
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.
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.
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.
Crowdfunding on websites like Kickstarter and Indiegogo are helpful when an entrepreneur focuses on raising small amounts of money from a large number of people. This can result in a large influx to the financing aspirations of a small business.
Both these sites and many others allow businesses to pool small investments from a number of investors instead of forcing companies to look for a single investment. There are many different ways to crowdfund as this method of financing is typically available to any type of startup business. Some rely on the strength of their campaign, some offer rewards and incentives to their supporters, and others provide shares of their business.
Applying is free and won’t impact your credit
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California loans made pursuant to the California Financing Law, Division 9 (commencing with Section 22000) of the Finance Code. All such loans made through Lendio Partners, LLC, a wholly-owned subsidiary of Lendio, Inc. and a licensed finance lender/broker, California Financing Law License No. 60DBO-44694.