Can startups get business loans?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

True startups (under 6 months) struggle to get traditional business loans. Options for startups: business credit cards (personal credit-based), SBA microloans up to $50,000, microlenders (Kiva, Accion, LiftFund), 401(k) rollovers (ROBS), friends and family. After 6+ months with $10K+ revenue, alternative lenders open up.

Key Details

  • Under 6 months: limited options
  • Business credit cards: personal credit based
  • SBA microloans: up to $50K, slow
  • Microlenders: Kiva, Accion, LiftFund
  • ROBS: 401(k) rollover for business
  • 6+ months and $10K rev: alt lenders open
Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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