Free funding readiness consultation · No hard credit pull
Mon–Fri 9am–8pm CST · Sat 10am–2pm CST
Startup & 0% credit funding
New LLCs, pre-revenue ventures, acquisitions and franchises. When there is no operating history to underwrite, lenders underwrite you — your credit profile, your retirement assets, or the cash flow of the business you are buying. Sequence it correctly and it is worth six figures.
Revenue-based products need deposits you don't have yet. That rules out most of the market and leaves a narrow set of programs that underwrite the owner instead.
Five applications over five months means every issuer sees the last four inquiries. The same credit file, applied in a coordinated round, produces two to three times the capital.
A badly run funding round wrecks the profile you'll need for an SBA loan in year two. The order you take capital in matters more than the first approval.
Programs
A coordinated round of unsecured business credit cards with introductory 0% periods, converted into usable working capital.
Ongoing revolving capacity in the entity's name with a personal guaranty, building the business credit file you'll use later.
Use existing retirement funds to capitalize a new C-corporation penalty-free. Equity, not debt, so there is no monthly payment against a business with no revenue.
Skip the revenue-history problem entirely by buying a business that already has one, using SBA leverage at roughly 10 percent down.
Qualification
Searches like best small business loans for startups, business loans for new LLCs, how to get business funding with personal credit and unsecured business line of credit for startups all converge on the same reality: with no operating history, your personal credit profile is the business's balance sheet.
Treat it as infrastructure. Keep utilization low, keep your oldest accounts open, avoid inquiries in the ninety days before a round, and never let a 0% balance run past the introductory date. Owners who protect the profile fund their second and third rounds far more cheaply than owners who spend it once.
Then sequence deliberately. A round of business credit taken today can block an SBA approval next year if it leaves heavy revolving balances on the file. Conversely, an equipment note taken first can build the entity history that makes an unsecured line possible in month twelve. We map that order before anything is submitted.
How it works
Most funding sites push you into a form and sell the lead. We start with a conversation, because the right product depends on facts a form can't capture.
15–20 minutes, by phone
An advisor reviews your revenue, credit position, existing debt and timeline. No documents, no application, no hard credit pull. You leave the call knowing which products you actually qualify for today.
Same or next business day
We build a written plan: the specific programs to pursue, in what order, the realistic amount and cost of each, and what to fix first if a stronger approval is 30 days away.
24 hours to 90 days by product
We package your file, submit to the right lenders rather than every lender, negotiate terms, and stay on the file through funding. You get one point of contact, not a call center.
Questions
A soft review tells you the realistic round size, the issuers to approach, the order to approach them in, and what to fix first if waiting thirty days doubles the number.
Free consultation · No hard credit pull · Mon–Fri 9am–8pm CST · Sat 10am–2pm CST
