Startup Business Funding Even With No Revenue
No tax returns or revenue yet? We help founders use their personal credit to raise startup capital the right way.
See What You Qualify For A few quick questions (no credit pull), then book a free 15-minute callAt a Glance
- Typical amounts
- $30K–$200K+ across a full funding plan.
- Credit needed
- 700+ on all three bureaus gets the strongest results
- Time to fund
- As fast as 3–7 days if your profile is approval-ready. 30–90 days if it needs prep first.
- Best for
- Pre-launch businesses and companies under two years old
- Our fee
- A percentage of the funding we help you secure. No upfront fee.
Every lender sets its own criteria. Amounts depend on your credit, income, and existing debt and are not guaranteed.
Who It Fits
- 700+ credit score
- No late payments, collections, or charge-offs
- 5+ accounts on your credit report
- No business revenue or time in business required. Approvals lean on your personal credit and income
- Verifiable income, W-2 or self-employed
For Founders Starting From Day One
We work with people launching something new: e-commerce brands, service businesses, restaurants, trucking companies, consultants, and charter businesses.
- You're pre-launch or under two years in business
- You have little or no business revenue yet
- Your personal credit is strong and you have verifiable income
- You'd rather not give up equity to investors this early
How Startup Funding Works
Startup funding through us usually combines two or three products based on your personal credit profile. The most common are 0% intro APR business credit cards and personal loans. Some founders also add a HELOC or, once there's revenue, a business line of credit.
The key is strategy. When you apply, each lender sees the inquiries and new accounts from the ones before it. Applying randomly, one at a time over months, tends to hurt your results. We review your credit report, pick lenders that fit your profile, and plan the order and timing so each application has its best shot.
Startup Funding Options
These are the products we compare for founders with little or no business revenue.
What You Need to Qualify
Since lenders are looking at you instead of the business, your personal profile is everything. Founders who get the best results usually have:
- A 700+ credit score
- No late payments, collections, or charge-offs
- At least 5 accounts on your credit report
- Low card balances compared with your limits
- Verifiable personal income (W-2, 1099, or tax returns)
Forming an LLC and opening a business bank account before you apply helps with business cards. If you haven't done that yet, we'll tell you when it makes sense.
How We Work With Founders
Answer a few questions
Tell us about your business idea and your credit. No credit pull.
Strategy call
A free 15-minute call where we tell you straight what you're likely to get and whether now is the right time.
Your funding plan
Which lenders, in what order, and how much each could add. If your profile needs work first, we'll show you exactly what to fix.
Apply and launch
We walk with you through each application, then help you plan payments around your 0% periods.
Startups We've Helped Fund
Results disclaimer: Results shown are real client outcomes, but they are not typical for everyone and are not guaranteed. What you can get approved for depends on your credit profile, income, existing debt, and each lender's own underwriting. Fully Funded is a consulting service, not a lender, and does not make credit decisions.
Startup Funding Questions
Can I get startup funding with no revenue?
Yes, in many cases. 0% business credit cards and personal loans are approved mostly on your personal credit and income, not business revenue.
Do I need an LLC first?
Not for personal loans. For business credit cards, having an LLC, an EIN, and a business bank account helps and is often expected.
How much startup funding can I get?
Client results range from around $30K to over $200K. Your credit, income, and existing debt drive the number.
What happens when the 0% period ends?
The card switches to its regular rate on any remaining balance. We help you plan around that date, whether that's paying it down from revenue or refinancing ahead of time.
How do you get paid?
Our fee is a percentage of the funding we help you secure. There's no upfront fee, and we walk through the exact terms on the call before you commit to anything.
Will checking my options hurt my credit?
No. The pre-qualify questions are self-reported, so there's no credit pull to see your options.
Explore Other Funding Options
Ready to Fund Your Startup?
Answer a few quick questions, then book a free call.
Get Funded A few quick questions, then book your call