CDFIs, microlenders and SBA lenders lend it. They look at your credit, experience, plan and cash in. 194 lenders offer startup funding across the US and Canada, usually from $5k to $250k. Last checked Nov 1, 2026.
Young companies get funded by lenders who can lean on something other than history. CDFIs and microlenders lend to new owners as part of their mission, SBA lenders and Canadian program lenders use a government guarantee, and equipment lessors and factors lean on an asset or an invoice. Without returns to read, the lender looks at your personal credit, your experience in the industry, a realistic plan and how much of your own cash goes in.
Read the guide: Under two years in business: lenders that work with young companies5 min
CDFIs, microlenders, SBA lenders and Canadian program lenders, plus equipment lessors and factors when an asset or invoice backs the deal.
Good personal credit, experience in the industry, a realistic plan with projections, your own cash in the deal and an asset or guarantee where possible.
Entries start from public records. Standing rises as the lender claims its entry, adds its loan officers and verifies its details.
194 today, with 3 loan officers who work at them, across the US and Canada. Any lender can claim its entry and correct its details.
