Most lenders won't touch a business with less than 6 months of revenue. BBC works with lenders that do — using your personal credit profile and business plan to get your venture funded from day one.
Startup & New Business Funding
No hard credit pull to check your options
Traditional banks use business revenue and time-in-business as their primary underwriting criteria. If your business is new, you simply don't have what they need to say yes. Most startups get rejected before they ever get a real shot.
BBC works with a network of lenders who specialize in startup and early-stage funding — lenders who underwrite based on your personal credit profile, your background, and the strength of your business concept rather than months of bank statements you don't yet have.
The result: qualified founders and entrepreneurs can access up to $150,000 in unsecured funding on day one of business — no revenue, no collateral, no business track record required. Your personal credit is your credibility.
Unsecured personal-credit-based funding is the fastest and most accessible option — but it's not the only one. BBC evaluates your full profile and matches you to whichever structure makes the most sense:
Unsecured startup funding based on personal credit is available up to $150K with no collateral. 401(k) ROBS lets you invest retirement savings tax-free if you have significant retirement assets. SBA Microloans and Community Advantage programs are available for businesses in underserved markets. Equipment financing can fund the assets your business needs with the equipment itself as collateral — even for a brand new business.
BBC's role is to match you to the right combination — not just hand you the first product that fits.
Every startup situation is different. Here are the primary funding structures available through BBC for new and early-stage businesses.
Executives, consultants, and corporate veterans launching their own ventures. Strong personal credit, clear business concept — just no business history yet.
Plumbers, HVAC techs, electricians, and contractors striking out on their own. Need a truck, tools, insurance, and working capital to take the first jobs.
Opening a food truck, catering operation, or first restaurant location. Equipment financing covers the kitchen; unsecured funding covers buildout and working capital.
Launching a product brand, dropshipping operation, or online service. Startup funding covers inventory, marketing spend, and platform setup costs.
Opening a salon, spa, fitness studio, or wellness practice. Buildout, equipment, and initial payroll are the biggest startup costs — BBC has options for all three.
Purchasing a new franchise unit where the brand is approved but the location hasn't yet opened. Startup funding bridges the gap between signing and opening day.
For unsecured startup funding — the most common path — eligibility is based almost entirely on personal credit health.
Credit below 680? Don't give up — BBC has credit-building resources and alternative paths. Talk to a specialist about your options.
A few moves before you apply can significantly increase how much you get approved for.
Register your LLC or corporation before applying. Lenders want to see an actual business entity — not a sole proprietor. It takes a day and costs under $200 in most states.
If your personal credit cards are near their limits, pay them down before applying. Getting utilization under 30% can raise your score 20–40 points and increase approval amounts significantly.
A dedicated business checking account signals legitimacy to lenders. Open one before applying — even with zero deposits. It takes 15 minutes at most banks or credit unions.
Know exactly what you're funding. "Marketing and equipment" is better than "getting started." Specific use cases help lenders feel confident your business has direction.
Apply when you're in planning mode, not panic mode. Desperation leads to accepting bad terms. Apply early, review your options carefully, and choose strategically.
Multiple hard credit pulls in a short window can hurt your score. BBC's single application reaches multiple lenders with a soft pull — protecting your credit while maximizing your options.
Apply in 5 minutes and find out exactly what you qualify for — with no impact to your credit score. A BBC specialist reviews every application personally and tells you your best path forward.
Use retirement savings to fund your business — tax and penalty free. No debt, no payments.
$50K – $5M+ →Finance the tools, vehicles, and machinery your business needs from day one.
Up to $500K →Government-backed loans with the best rates and terms for qualifying startups.
Up to $5M →Skip the startup phase — buy an existing business with proven revenue.
Up to $5M →