Business funding · Personal / Start-Up Term Loan
Term funding when the business is too new to underwrite.
Lenders in this category underwrite the owner rather than the operating history, so a start-up with no revenue can still be considered. Strong personal credit and a debt-to-income ratio under 50% carry the file.
Funding partners in our network
- Loanable
- PFG
- NLC / Loan Funder
- Funding Vault
- 7 Figures
- Lexington
- AdvisorHub
We introduce applicants to these partners. They make every credit decision. See the full directory.
Lender guidelines
What partners publish for this product
- Amount
- $20,000 to $500,000
- Term
- 1 to 5 years
- Typical credit
- 700 typical, 650 floor
- Time in business
- No minimum, start-ups considered
- Revenue
- $40,000 to $50,000 personal income, DTI under 50%
- Typical speed
- As fast as 24 hours
- Collateral
- No collateral pledged.
These are partner lender guidelines, not offers. Approvals, amounts, rates, and terms are determined solely by the funding partner and are not guaranteed. Results vary and depend on credit, income, and lender approval. Not typical results.
Personal & Start-Up Term Loan
Compare 3 partners in one step
Answer the pre-qualification questions once and see each of these partners side by side, with the differences spelled out.
- No credit pull to see your matches
- No fee charged to applicants
- You choose the partner, not us
Questions first? Call (209) 541-4065, Mon to Fri, 8:00am to 6:00pm ET.
Why this product
What it does well
No collateral pledged
Nothing is secured against equipment, property, or receivables.
Start-ups considered
Time in business is not a gating factor with these partners.
Fixed amortization
A set term and payment, so the cost is known up front.
Fit
Best for
- Founders launching a business that has not billed yet
- Owners with strong personal credit and limited business history
- Anyone who needs a fixed payment rather than a revolving balance
Uses
Common use cases
- Funding the first phase of a new venture
- Consolidating higher-cost balances into one payment
- Covering launch costs before the first receivable clears
Partners
Every partner that offers this product
They are not interchangeable. Compare how they differ, then choose where to apply.
Loanable
Loanable (Nextgen Capital Solutions)
One application, 100+ lenders, funding as fast as 24 hours.
Full marketplace covering both business and real estate products.
Opens Loanable's own application. They underwrite the file and set every term.
PFG
Preferred Funding Group
Best for 0% credit-card stacking and personal-credit term loans up to $500k, no collateral.
Unsecured personal-credit funding: 0% credit-card stacking and 5 to 7 year personal term loans.
Opens PFG's own application. They underwrite the file and set every term.
Funding Vault
Funding Vault / Impruvu
Broad marketplace across business and real estate.
Broad business and real estate marketplace: lines of credit, revenue-based funding, hard money, commercial, and DSCR.
Opens Funding Vault's own application. They underwrite the file and set every term.
Not sure which one fits? Run the pre-qualification form and we will show you only the partners your profile matches.
FAQ
Questions about this product
Read this first
- We are not a direct lender or bank. We assist with applications, consulting, and credit strategies.
- Approvals are not guaranteed and are subject to bank or issuer decision.
Submitting your funding request will not impact your personal credit score. If you choose to proceed with an offer, certain funding options may require a hard credit inquiry, which the partner discloses and you authorize before it happens. We do not provide legal, tax, or financial advice. Please consult a licensed professional for personalized guidance. Full disclosures.
See what you qualify for
A few questions, no documents, no credit pull. You get every option your profile matches, not just this one.