Can I get a business loan with no revenue?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

No, alternative lenders require at least $10,000 in monthly business revenue. With no revenue, your only options are: business credit cards (personal credit-based), microloans for true startups under $50K, friends and family funding, or bootstrapping. Most lenders need 6+ months of operating history with revenue.

Key Details

  • No-revenue startups: business credit cards only
  • True startups: microloans (Kiva, Accion, $1K-$50K)
  • 6+ months operating: working capital opens up
  • $10K+ monthly: most products available
  • $25K+ monthly: best terms
  • SBA microloan: up to $50K for startups
Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

Get Your Personalized Funding Quote

Apply in 4 minutes. Decision in 24 hours. No obligation.

Apply Now → (305) 384-8391