Start Up Funding
New business, strong owner credit? Launch capital without revenue history.
Start-up funding is built on the owner's personal credit profile rather than business revenue. Using a mix of business credit lines and term products, qualified founders can raise launch capital for build-out, marketing, inventory, and operating runway — before the business has the statements most funders require.
From application to wire
- 1
Credit review
We review your credit profile — score, utilization, inquiries, and history — to find what you qualify for.
- 2
Strategy
We sequence applications to maximize approvals and limits, instead of firing off random applications.
- 3
Approvals
Approvals typically land over 1–3 weeks across multiple funding sources.
- 4
Deploy
Use the capital for launch costs and scale into revenue-based products once you have history.
Best for
- Businesses under 6–12 months old
- Owners with 680+ credit and low utilization
- Franchise and new-location launches
- Founders who want to keep their equity
What the numbers look like
Fitness studio launch
- Owner credit
- 0
- Capital raised
- $0
- Use
- Build-out + equipment + 4 mo. marketing
- Revenue history
- None at funding
Result: Opened with 180 founding members and qualified for revenue-based capital at month 8.
E-commerce brand first inventory order
- Owner credit
- 0
- Capital raised
- $0
- Intro APR on portion
- 0% for 12 months
- Use
- First production run + launch ads
Result: Sold through the first run in 5 months, paying down the balance inside the 0% window.
Examples are illustrative composites to show how the product works. Actual amounts, pricing, and terms depend on underwriting.
Where Start Up works best
Franchises
Fund franchise fees and build-out before opening.
E-commerce
Front the first inventory order and launch ads.
Fitness & Wellness
Build-out and equipment pre-revenue.
Professional Services
Office, tech, and runway for a new practice.
Food & Beverage
Kitchen, permits, and opening inventory.
Run your Start Up numbers
- Credit profile: Excellent (720+)
- Utilization: 10-30%
- Owner income: $120,000/yr
Illustrative credit-based estimate. Approvals and limits are set by each issuer or lender. Not an approval or offer.
Straight answers
Do I need revenue?
No. Start-up funding is credit-driven.
What if my credit isn't there yet?
Our SmartCredit partner program can help you build it before you apply.
Does this become business credit?
Yes — and it positions you for larger revenue-based capital later.
Money talks. Ours ROARS.
One application. Every program we have. Mix and blend products on the same file.
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