Startup Business Funding
Capital programs for businesses from concept to 24 months old. We match your stage and profile to the programs most likely to fund you — not the ones most likely to say no.
Every Business Starts Somewhere.
Getting funded as a startup is genuinely harder — but not impossible. The Federal Reserve's 2025 Small Business Credit Survey found that 45% of small employer firms applied for financing — the highest rate since 2021 — but only 46% received the full amount requested. For businesses earning under $100,000 annually, the full-funding rate drops to just 31%.
The key is knowing which programs exist specifically for early-stage businesses. The SBA Microloan program — with an average disbursement of $16,131 in FY2025 and approval rates reaching 60–70% through CDFI intermediaries — is one of the most startup-accessible programs available. Community Development Financial Institutions (CDFIs) exist specifically for businesses that traditional banks won't touch. Alternative lenders evaluate personal credit and projected cash flow rather than years of business history.
Equipment financing, Kiva (0%), some CDFI microloans
MCA (with revenue), alt lenders, SBA Microloans
SBA 7(a), term loans, lines of credit with good credit
Startup Business Funding — Frequently Asked Questions
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