Can You Get a Business Line of Credit with No Revenue?

Starting a business is tough, and securing funding before generating revenue can feel like a catch-22. Lenders want proof that your business can repay the credit, but how do you show that without revenue? The good news is that getting a business line of credit with no revenue isn’t impossible—it just takes a different approach.

Will Lenders Approve a Business Line of Credit Without Revenue?

Yes, but it’s not as simple as filling out an application. Most traditional banks won’t approve a credit line without steady income, but alternative lenders and creative financing solutions can help.

Here’s what lenders look at when revenue is missing:

• Personal Credit Score – A strong personal credit score (usually 680+) can make up for a lack of business revenue.
• Collateral – Some lenders will extend credit if you back it with assets like equipment, inventory, or real estate.
• Business Plan & Projections – A solid plan with realistic financial projections shows lenders you have a clear path to revenue.
• Existing Business Credit – Even if you’re not making money yet, having vendor accounts or a business credit card helps.
• Personal Guarantee – Some lenders approve lines of credit if the owner personally guarantees repayment.

Best Ways to Get a Business Line of Credit with No Revenue

If your business isn’t bringing in cash yet, here are a few ways to still secure funding:

1. Use a Personal Line of Credit

• Many entrepreneurs start by using personal credit lines to fund their business.
• If your credit score is 700+, you may qualify for low-interest personal credit that can later be transferred to your business.

2. Apply for a Secured Business Line of Credit

• Collateral-based credit lines allow you to leverage business or personal assets instead of revenue.
• Some lenders accept real estate, equipment, or investment accounts as collateral.

3. Work with Alternative Lenders

• Online lenders and fintech platforms have more flexible requirements than traditional banks.
• Some approve lines of credit based on factors like business potential and industry trends.

4. Get a Business Credit Card

• Many business credit cards offer 0% APR for the first 12 months, providing an interest-free way to fund early expenses.
• Using a business credit card responsibly helps build your business credit profile.

5. Seek a Guarantor or Co-Signer

• If someone with good credit is willing to co-sign your credit line, approval becomes much easier.
• A trusted business partner, investor, or family member could help bridge the gap.

How We Can Help

Unlike traditional lenders who just reject applications, we underwrite deals and help businesses raise collateral to secure financing. If you’re struggling to qualify due to no revenue, we explore solutions tailored to your situation—whether that’s leveraging assets, credit partners, or structuring a stronger financial profile.

Final Thoughts

Getting a business line of credit with no revenue isn’t easy, but it’s possible with the right approach. Whether it’s securing collateral, improving personal credit, or finding alternative lenders, there are paths to funding—even before your business starts making money.

Need funding? Let’s find a solution that works for you. Apply today and take the first step toward growing your business.