Startup Capital to Working Capital Loans
Up to $15,000,000
From the entrepreneur just getting started to the experienced real estate investor — we have a funding solution for every stage of your business journey.
Startup Capital
This is where SBLC stands apart from every other lender on the market. While Fundbox, Lendio, BlueVine, and even the SBA all require existing revenue history — we don't.
Startup Capital is designed for the entrepreneur who is just getting started. You have the idea. You have the credit score. You don't yet have the revenue history the big lenders demand. That's exactly who we serve.
🚀 Startup Capital Qualifications
- Credit score of 680+ — that's all you need
- Complete the application — it takes 5 minutes
- No revenue history required
- No collateral required
- Funded in as little as 24 hours
What Others Require That We Don't
Working Capital Loans
Working Capital is fast, flexible access to capital to keep your business operating and growing. With every credit profile welcomed and no collateral required, our Working Capital programs are built for businesses at every credit profile.
Get approved in as little as 30–60 minutes and funded within 1–3 business days.
✅ Who Qualifies
- No minimum credit score required
- Minimum $5,000 in monthly revenue
- In business 6+ months
- 5+ deposits/month in bank statements
- No business loan defaults in last 3 years
- All industry sectors (except gun shops)
📄 Documents Needed
- Last 3 months of bank statements (for quote)
- State-issued photo ID (upon approval)
- Voided check
- Proof of company ownership
Merchant Cash Advance & Term Loans
Merchant Cash Advance
Designed for businesses that need fast capital with flexible credit requirements. Same-day funding possible when all conditions are met.
- Credit score as low as 550
- 3–4 months of bank statements
- Minimum $7,500 in monthly deposits
- US citizen or resident with work authorization
- Same-day funding if all conditions met
100K Term Loan
For businesses with at least $5,000 in monthly revenue and 6+ months in operation. No minimum credit score.
- No minimum credit score
- $5,000+ monthly revenue
- 6+ months in business
- Max 8 negative days/month in bank statements
- No loan defaults in last 3 years
250K Term Loan
For established businesses ready for significant growth capital. Requires strong revenue and credit history.
- Credit score 650+ required
- $15,000+ monthly revenue
- 2+ years in business
- 8+ deposits/month
- No more than 2 existing business loans
Not Sure Which Program Is Right For You?
Start your free application and we'll match you with the right funding program for where you are today.
Find My Funding Match