How much do you need?
We’ll start with a brief questionnaire to better understand the unique needs of your business.
Once we uncover your personalized matches, our team will consult you on the process moving forward.
Here are 12 low-revenue business loans
| Lender | NerdWallet Rating▼ | Max loan amount▼ | Min. credit score▼ | Next steps |
|---|---|---|---|---|
JR Capital Equipment Financing with Fundera by NerdWallet | 4.1/5 Best for no minimum revenue requirement | $10,000,000 | 620 | with Fundera by NerdWallet |
AltLINE - Invoice Factoring | 4.7/5 Best for no minimum revenue requirement | $5,000,000 | 300 | Read Review |
American Express® Business Line of Credit* | 5.0/5 Best for minimum revenue requirement of $50,000 or less | $250,000 | 660 | Read Review |
Headway Capital - Line of credit with Fundera by NerdWallet | 4.7/5 Best for minimum revenue requirement of $50,000 or less | $100,000 | 625 | with Fundera by NerdWallet |
Bank of America Cash Secured Line of credit | 4.7/5 Best for minimum revenue requirement of $50,000 or less | Undisclosed | 670 | Read Review |
iBusiness Funding - Online term loan with Fundera by NerdWallet | 4.6/5 Best for minimum revenue requirement of $50,000 or less | $500,000 | 660 | with Fundera by NerdWallet |
Accion Opportunity Fund - Small Business Working Capital Loan | 4.8/5 Best for minimum revenue requirement of $50,000 or less | $250,000 | 600 | Read Review |
Giggle Finance Merchant Cash Advance with Fundera by NerdWallet | Best for minimum revenue requirement of $50,000 or less | $5,000 | 300 | with Fundera by NerdWallet |
Bank of America Business Advantage Unsecured Term Loan | 4.9/5 Best for minimum revenue requirement of $100,000 or less | Undisclosed | 700 | Read Review |
Fundbox - Line of credit | 5.0/5 Best for minimum revenue requirement of $100,000 or less | $150,000 | 600 | Read Review |
OnDeck - Online term loan with Fundera by NerdWallet | 4.9/5 Best for minimum revenue requirement of $100,000 or less | $250,000 | 625 | with Fundera by NerdWallet |
Reliant Funding Merchant Cash Advance | Best for minimum revenue requirement of $100,000 or less | $400,000 | 525 | |
Here are 12 low-revenue business loans
Best for no minimum revenue requirement
Best for minimum revenue requirement of $50,000 or less
Best for minimum revenue requirement of $100,000 or less
Reliant Funding
Max Amount
$400,000
Min. Credit Score
525
I'M INTERESTED IN:
Our picks for
no minimum revenue requirement
Self-collateralizing loans like equipment financing and invoice financing may not have set revenue requirements.
JR Capital Equipment Financing
4.1
NerdWallet rating with Fundera by NerdWallet
Max loan amount
$10,000,000
Min. credit score
620
Est. APR
6.99-18.00%
Pros
- Funding available within 48 hours.
- Competitive rates and repayment terms.
- Flexible payment options available, including deferment options for certain industries.
- No down payment required.
Cons
- Must have good credit to qualify for no prepayment penalties.
- Charges an origination fee.
JR Capital Equipment Financing
NerdWallet rating
4.1/5
Max loan amount
$10,000,000
Min. credit score
620
Est. APR
6.99-18.00%
Self-collateralizing loans like equipment financing and invoice financing may not have set revenue requirements.
JR Capital provides fast equipment loans and leases, specializing in trucks, trailers and heavy equipment.
Pros
- Funding available within 48 hours.
- Competitive rates and repayment terms.
- Flexible payment options available, including deferment options for certain industries.
- No down payment required.
Cons
- Must have good credit to qualify for no prepayment penalties.
- Charges an origination fee.
Qualifications:
- Minimum credit score: 620.
- Minimum time in business: Typically two years, but can prioritize industry experience in some cases.
- No minimum annual revenue requirement.
AltLINE - Invoice Factoring
Max loan amount
$5,000,000
Min. credit score
300
Pros
- Capital available within 24 to 48 hours.
- No collateral required.
- Manages payment collection from your customers.
- Accepts startups and businesses with bad credit.
Cons
- Fees can become expensive the longer it takes your customers to pay.
- Difficult to compare factoring costs to other types of business loans.
AltLINE - Invoice Factoring
Max loan amount
$5,000,000
Min. credit score
300
AltLINE offers fast invoice factoring with competitive factoring rates.
Pros
- Capital available within 24 to 48 hours.
- No collateral required.
- Manages payment collection from your customers.
- Accepts startups and businesses with bad credit.
Cons
- Fees can become expensive the longer it takes your customers to pay.
- Difficult to compare factoring costs to other types of business loans.
Qualifications:
- All credit scores may be accepted (ranging from 300 to 850).
- No minimum time in business requirement.
- No minimum annual revenue requirement.
- Must be a B2B business.
Our picks for
minimum revenue requirement of $50,000 or less
The smaller the revenue amount generated by your business, the more limited your loan options. But some lenders offer products for businesses with just $50,000 in annual revenue.
American Express® Business Line of Credit*
Max loan amount
$250,000
Min. credit score
660
Pros
- Streamlined application process with minimal paperwork.
- Financing from $2,000 to $250,000 available.
- Accepts borrowers with a minimum FICO score of at least 660 at the time of application.
- Monthly repayment schedule (as opposed to daily or weekly).
- No prepayment penalties, account maintenance fees or draw fees.
Cons
- Must have online checking or PayPal account to verify cash flow.
- Personal guarantee required.
- Complex monthly fee structure makes it difficult to compare costs to other lenders.
American Express® Business Line of Credit*
Max loan amount
$250,000
Min. credit score
660
The smaller the revenue amount generated by your business, the more limited your loan options. But some lenders offer products for businesses with just $50,000 in annual revenue.
The American Express® Business Line of Credit is a good option for business owners with fair credit who want access to working capital.
Pros
- Streamlined application process with minimal paperwork.
- Financing from $2,000 to $250,000 available.
- Accepts borrowers with a minimum FICO score of at least 660 at the time of application.
- Monthly repayment schedule (as opposed to daily or weekly).
- No prepayment penalties, account maintenance fees or draw fees.
Cons
- Must have online checking or PayPal account to verify cash flow.
- Personal guarantee required.
- Complex monthly fee structure makes it difficult to compare costs to other lenders.
Qualifications:
- Minimum FICO score of at least 660 at the time of application. The required FICO score may be higher based on your relationship with American Express, credit history, and other factors.
- Must have started your business at least a year ago.
- Average monthly revenue of at least $3,000.
- All businesses are unique and are subject to approval and review.
- American Express® Business Line of Credit offers two loan types, installment loans and single repayment loans for eligible borrowers. All loan term types, loan term lengths, and pricing are subject to eligibility requirements, application, and final approval. This article contains general information about the American Express® Business Line of Credit installment loan type only.
Headway Capital - Line of credit
Max loan amount
$100,000
Min. credit score
625
Est. APR
35.00-80.00%
Pros
- Flexible qualification requirements.
- No prepayment penalties.
- Funds available by next business day after approval.
Cons
- Most borrowers are subject to a 2% draw fee.
- Not available in all U.S. states.
Headway Capital - Line of credit
Max loan amount
$100,000
Min. credit score
625
Est. APR
35.00-80.00%
Headway Capital offers a fast and flexible line of credit for borrowers who may not qualify for more traditional options.
Pros
- Flexible qualification requirements.
- No prepayment penalties.
- Funds available by next business day after approval.
Cons
- Most borrowers are subject to a 2% draw fee.
- Not available in all U.S. states.
Qualifications:
- Minimum credit score: 625.
- Minimum time in business: Six months.
- Minimum annual revenue: $50,000.
Bank of America Cash Secured Line of credit
Max loan amount
Undisclosed
Min. credit score
670
Pros
- Available to borrowers with at least six months in business.
- No origination fee.
- Responsible spending can help you graduate to an unsecured credit line.
Cons
- Credit limit is based on the security deposit you provide.
- Must have a Bank of America checking or savings account to apply.
Bank of America Cash Secured Line of credit
Max loan amount
Undisclosed
Min. credit score
670
Bank of America’s Cash Secured line of credit can help startups cover working capital needs and establish business credit.
Pros
- Available to borrowers with at least six months in business.
- No origination fee.
- Responsible spending can help you graduate to an unsecured credit line.
Cons
- Credit limit is based on the security deposit you provide.
- Must have a Bank of America checking or savings account to apply.
Qualifications:
- Minimum time in business: Six months.
- Minimum annual revenue: $50,000 per year.
- Bank of America checking or savings account required.
- Minimum deposit of $1,000.
iBusiness Funding - Online term loan
Max loan amount
$500,000
Min. credit score
660
Est. APR
15.22-45.00%
Pros
- Cash can be available within two business days.
- Competitive rates among online lenders.
- Terms up to seven years.
- iBusiness Funding also offers SBA loans up to $5 million.
Cons
- Charges an origination fee.
- Must be in business for a minimum of two years.
- Minimum credit score is higher than some other lenders.
May fund quickly
iBusiness Funding - Online term loan
Max loan amount
$500,000
Min. credit score
660
Est. APR
15.22-45.00%
iBusiness Funding acquired Funding Circle in 2024. Its online term loan is an option for established businesses that are financing an expansion or refinancing debt.
Pros
- Cash can be available within two business days.
- Competitive rates among online lenders.
- Terms up to seven years.
- iBusiness Funding also offers SBA loans up to $5 million.
Cons
- Charges an origination fee.
- Must be in business for a minimum of two years.
- Minimum credit score is higher than some other lenders.
Qualifications:
- Minimum credit score: 660.
- Minimum time in business: Two years.
- Minimum annual revenue: $50,000.
- No bankruptcies in the past seven years.
May fund quickly
Accion Opportunity Fund - Small Business Working Capital Loan
Max loan amount
$250,000
Min. credit score
600
Est. APR
8.49-24.99%
Pros
- Loan amounts from $5,000 to $250,000.
- Customized loan terms.
- No prepayment penalty.
Cons
- Slower processing speed compared to online lenders.
- Not available in all U.S. states.
Accion Opportunity Fund - Small Business Working Capital Loan
Max loan amount
$250,000
Min. credit score
600
Est. APR
8.49-24.99%
Accion is a good option for businesses that haven't been able to secure traditional financing. The lender targets its funding efforts toward minority, women and low-to-moderate-income entrepreneurs.
Pros
- Loan amounts from $5,000 to $250,000.
- Customized loan terms.
- No prepayment penalty.
Cons
- Slower processing speed compared to online lenders.
- Not available in all U.S. states.
Qualifications:
- Minimum credit score: 600.
- Minimum time in business: 12 months.
- Minimum annual revenue: $50,000.
Giggle Finance Merchant Cash Advance
with Fundera by NerdWallet
Max loan amount
$5,000
Min. credit score
300
Pros
- No minimum credit score requirement.
- Same-day funding available.
- Specifically designed for freelancers and self-employed individuals.
Cons
- Funding maxes out at $5,000.
- Factor rate and fee information not available on website.
Giggle Finance Merchant Cash Advance
Max loan amount
$5,000
Min. credit score
300
Giggle Finance provides capital to freelancers, contractors and self-employed individuals.
Pros
- No minimum credit score requirement.
- Same-day funding available.
- Specifically designed for freelancers and self-employed individuals.
Cons
- Funding maxes out at $5,000.
- Factor rate and fee information not available on website.
Qualifications:
- Minimum credit score: All credit scores may be accepted (ranging from 300 to 850).
- Minimum time in business: Three months.
- Minimum annual revenue: $36,000.
Our picks for
minimum revenue requirement of $100,000 or less
Once your business breaks $100,000 in annual revenue, you’ll have access to more funding options — even if you have bad credit or just a few months in business.
Bank of America Business Advantage Unsecured Term Loan
Max loan amount
Undisclosed
Min. credit score
700
Pros
- Bank loan with competitive interest rates.
- No collateral required.
- Bank of America’s Preferred Rewards program can offer interest rate discounts and other perks.
Cons
- Can be slow to fund.
- Prepayment fees may apply to early repayments.
- Must be an existing Bank of America customer to apply online.
Bank of America Business Advantage Unsecured Term Loan
Max loan amount
Undisclosed
Min. credit score
700
Once your business breaks $100,000 in annual revenue, you’ll have access to more funding options — even if you have bad credit or just a few months in business.
Bank of America’s term loan offers competitive interest rates and flexible repayment terms — with no collateral required.
Pros
- Bank loan with competitive interest rates.
- No collateral required.
- Bank of America’s Preferred Rewards program can offer interest rate discounts and other perks.
Cons
- Can be slow to fund.
- Prepayment fees may apply to early repayments.
- Must be an existing Bank of America customer to apply online.
Qualifications:
- Minimum credit score: 700.
- Minimum time in business: Two years.
- Minimum annual revenue: $100,000.
Fundbox - Line of credit
Max loan amount
$150,000
Min. credit score
600
Est. APR
36.00-99.00%
Pros
- Financing available within one business day after approval.
- Simple application with minimal documentation required.
- Startup-friendly -- accepts borrowers with a minimum of three months in business.
- Low minimum credit score, time in business and annual revenue requirements.
- No prepayment penalties, account maintenance fees or inactivity fees.
Cons
- Rates are high compared with traditional banks.
- May require personal guarantee.
- Weekly repayments required over a short term (maximum of 24 weeks).
May fund quickly
Fundbox - Line of credit
Max loan amount
$150,000
Min. credit score
600
Est. APR
36.00-99.00%
Fundbox offers a business line of credit to fill a cash flow gap, and qualifying is easier than with other lenders.
Pros
- Financing available within one business day after approval.
- Simple application with minimal documentation required.
- Startup-friendly -- accepts borrowers with a minimum of three months in business.
- Low minimum credit score, time in business and annual revenue requirements.
- No prepayment penalties, account maintenance fees or inactivity fees.
Cons
- Rates are high compared with traditional banks.
- May require personal guarantee.
- Weekly repayments required over a short term (maximum of 24 weeks).
Qualifications:
- Minimum credit score: 600.
- Minimum time in business: 3 months.
- Minimum annual revenue: $30,000.
May fund quickly
OnDeck - Online term loan
Max loan amount
$250,000
Min. credit score
625
Est. APR
27.20-99.90%
Pros
- Cash can be available within the same business day (does not apply in California or Vermont).
- Accepts borrowers with a minimum credit score of 625.
- Streamlined application process with minimal documentation required.
- Can be used to build business credit.
Cons
- Cannot fund North Dakota-based businesses.
- Requires frequent (daily or weekly) repayments.
- Interest rates can be high compared with traditional lenders.
- Requires business lien and personal guarantee.
May fund quickly
OnDeck - Online term loan
Max loan amount
$250,000
Min. credit score
625
Est. APR
27.20-99.90%
OnDeck offers a fast term loan for small-business owners with less-than-stellar credit who want to expand.
Pros
- Cash can be available within the same business day (does not apply in California or Vermont).
- Accepts borrowers with a minimum credit score of 625.
- Streamlined application process with minimal documentation required.
- Can be used to build business credit.
Cons
- Cannot fund North Dakota-based businesses.
- Requires frequent (daily or weekly) repayments.
- Interest rates can be high compared with traditional lenders.
- Requires business lien and personal guarantee.
Qualifications:
- Minimum credit score: 625.
- Minimum time in business: One year.
- Minimum annual revenue: $100,000.
- Must have business bank account.
May fund quickly
Reliant Funding Merchant Cash Advance
Max loan amount
$400,000
Min. credit score
525
Pros
- Funding available in as little as 24 hours.
- Low annual revenue requirement.
- Daily or weekly repayment available.
Cons
- Factor rate and fee information not available on website.
Reliant Funding Merchant Cash Advance
Max loan amount
$400,000
Min. credit score
525
You may be able to qualify for next-day funding from Reliant, even with bad credit or limited revenue.
Pros
- Funding available in as little as 24 hours.
- Low annual revenue requirement.
- Daily or weekly repayment available.
Cons
- Factor rate and fee information not available on website.
Qualifications:
- Minimum credit score: 525.
- Minimum time in business: Six months.
- Minimum annual revenue: $60,000.
Why does revenue matter to business lenders?
Revenue is the amount of money your business brings in by selling your products or services, before expenses are subtracted. It’s one part of understanding business profit, which is the money left over after you account for all your expenses.
Steady and consistent operating revenue, or sales, show that you’re executing on your business plan, demonstrating to would-be lenders that you know how to run a small business.
Revenue is an indicator — beyond just personal credit score or time in business — of your ability to repay debt, which is why it’s an important component of a business loan application.
Many lenders require that you have at least $100,000 in annual business income, or approximately $8,333 in income per month, in order to qualify for a loan. Online lenders may have more flexible revenue requirements, while banks are likely to be stricter.
How much revenue do you need for an SBA loan?
The U.S. Small Business Administration does not set a minimum annual revenue requirement. However, because most SBA loans are issued by banks, many are bound to have similar revenue requirements as traditional bank loans, in addition to more stringent credit score and time in business requirements.
SBA microloans, which are the smallest SBA loans, tend to be the easiest to qualify for, and can be a good option if you have low revenue.
U.S. Small Business Administration
SBA Microloan
Max Loan Amount
$50,000
Read Review
Apply now
with Fundera by NerdWallet
Can you get a business loan with no revenue?
Business financing that has low or no minimum revenue requirements typically offers another risk mitigant, like collateral, to a lender; however, even secured loans or secured lines of credit may still have minimum revenue requirements.
Self-collateralizing loans like equipment loans or invoice financing may be more lenient on qualification requirements, including minimum revenue, because they come with built-in collateral. Equipment loans are secured by the equipment being financed, and invoice financing uses the value of unpaid customer invoices as collateral.
Alternative financing options for businesses with low revenue
If you’re struggling with business loan requirements, other types of business financing may be a better fit.
- Business credit cards. If you have good personal credit, business credit card issuers may not consider your time in business or revenue history. A business credit card can be a helpful tool for covering cash-flow gaps and making larger purchases while you’re building your business financial history.
- Small-business grants. Instead of taking on additional debt when your business is struggling to generate revenue, you might consider applying for small-business grants. Grant recipients don’t have to repay the funds they receive, but competition for this free money is stiff and the application process can be time-consuming.
- Friends and family loans. If you can make the case to good friends and family members who are willing and able to help your business, you may be able to access capital with a friends and family loan, even with low or no revenue. Just make sure you put your loan agreement in some form of writing to avoid any personal conflicts in the future.
- Crowdfunding. Crowdfunding is a form of business financing where you raise money for your business from investors, in exchange for small shares of ownership in your business or other rewards.
NerdWallet writer Rosalie Murphy contributed to this article.
Last updated on September 13, 2024
Methodology
NerdWallet’s review process evaluates and rates small-business loans from traditional banks and online lenders. We collect over 30 data points on each lender using company websites and public documents. We may also go through a lender’s initial application flow and reach out to company representatives. NerdWallet writers and editors conduct a full fact check and update annually, but also make updates throughout the year as necessary.
To come up with our list of the best low-revenue business loans, we selected lenders with a minimum annual revenue requirement of $100,000 or lower, and strong NerdWallet star ratings.
Our star ratings award points to lenders that offer small-business friendly features, including:
- Transparency of rates and terms
- Flexible payment options
- Fast funding times
- Accessible customer service
- Reporting of payments to business credit bureaus
- Responsible lending practices.
We weigh these factors based on our assessment of which are the most important to small-business owners and how meaningfully they impact borrowers’ experiences.
NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodology for small-business loans and our editorial guidelines.
Wondering if you qualify?
It’s possible to get a business loan even if you have bad credit. Bad-credit business loans are available from alternative sources, like online or nonprofit lenders.
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