Most lines want a year or more in business and good credit; startups can begin with a secured line, a small revenue-based advance after a few months of deposits, then upgrade.
Check my optionsCredit
Startups rarely qualify for a traditional revolving line in their first months, because the lender is committing to future draws without a track record. A realistic path combines building revenue history, business credit and a strong owner profile.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Your file goes to funders that fit it, so offers can be compared.
A human reads the file, not just an algorithm score.
Advances, lines of credit and second-position options in one place.
Net cash, total payback and payment shown before you sign.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Know what lenders look for. Online lenders that offer lines to younger businesses often want six months to a year of operation, minimum monthly or annual revenue and a personal credit score in a moderate range. Banks usually want two years. Secured lines, backed by a cash deposit or certificate of deposit, can be available sooner because the collateral reduces risk.
Build the revenue record. Open a business checking account immediately, run all revenue through it and avoid negative days. Lenders use those statements to size the limit, so consistency matters more than any single strong month. A startup with steady deposits for six months is in a much stronger position than one with a single large contract.
Build business credit in parallel. Register the entity, obtain an EIN, list the business consistently in directories, open net-30 supplier accounts that report to business bureaus and use a business card lightly, paying it in full. Several months of reported on-time payments create a business credit file lenders can review.
Use bridge options while you build. A secured card, vendor credit or, once you have several months of deposits, a revenue-based advance can cover early needs. MFE considers credit from 500 for revenue-based options; paying them on time strengthens the bank history line lenders review.
When you apply for the line, request a modest limit, ask about fees on unused balances and draw and repay regularly. Lenders often raise limits for accounts that show active, responsible use.
While a line is out of reach, a deposit-based option might look like this. Illustrative numbers.
| 500–549 | Revenue-based funding; strongest deposits needed |
| 550–599 | Revenue-based funding and renewals |
| 600–649 | More funders compete; better terms |
| 650+ | Lines of credit and term loans open up |
Minimum to apply is 500. Deposits, balances and time in business still carry the most weight.
| Month 0 | Entity, EIN, business checking |
| Months 1-6 | All revenue deposited, no negatives |
| Months 1-6 | Net-30 accounts, business card |
| Months 3-6+ | Bridge with secured card or revenue-based funding |
| Months 6-12+ | Apply for an online line, modest limit |
Good fit:
Probably not yet:
It is difficult early on; some online lenders consider six months to a year of revenue.
A line backed by a cash deposit, available sooner because the collateral reduces risk.
EIN, consistent listings, reporting net-30 accounts and a business card paid in full.
Secured cards, vendor credit and, after a few months of deposits, revenue-based funding.
Draw and repay regularly with steady deposits.
Some do; ask before you accept.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding