Personal Finance

4 Funding Options for Startups With No Revenue

startup business loans with no revenue

startup business loans with no revenueSo you want to start a business, but you have no revenue, profits, cash flow, or assets to offer as collateral for a loan. How can you get your business on its feet? Fortunately, it is possible for you to get startup business loans with no revenue. Here are some of the options you can explore.

Small Business Credit Cards

Small business credit cards are very similar to personal credit cards. They have predetermined credit limits and are issued based on your credit score. The amount of the credit limit and the interest rate depends on a number of factors, including your personal credit history and the future expected revenue of the business. Like a personal credit card, the best way to avoid considerable interest charges is to pay off the balance on the card each month.


While it may be difficult to receive funding from a traditional brick-and-mortar bank if your business is not making money, you may be able to obtain a microloan of up to $50,000 to cover your costs. These loans are specifically designed for the small funding needs of startups and are available from nonprofit, peer-to-peer, and government agencies, including the Small Business Administration (SBA).


Crowdfunding has become a popular source of funding for small businesses with no revenue. Unlike a loan, you do not have to have good credit or assets to access crowdfunding capital because the funds are generally donations from family, friends, and community members that would like to help you get your business off of the ground. However, depending on the generosity of others to fund your business can be a risky proposition, as you won’t know how successful your crowdfunding campaign will be until it ends.

Venture Capital

With venture capital, investors provide the business with money and receive equity in the business in return. This method is commonly used in industries experiencing rapid growth where the investors will earn a good return on their investment either through increased sales or selling the business for a profit. While this funding method is popular because there is no repayment required or interest charged, it does require you to give up part of your equity in your business.

It is important to remember that just because you can get startup business loans with no revenue, it doesn’t mean that it is the best option for you or your business. In some cases, you may not receive as much money as you need. In other cases, the interest rates and fees will be higher than they would have been if your business was more established and earning money. Evaluate your options carefully to ensure you are making the right moves for your future.

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