Best Business Loans for Companies With Low Revenue
Compare some of the best business loans with minimum annual revenue requirements of $50,000 or lower.
Sort by:
| Lender | NerdWallet rating | Best For | Max loan amount | Min. time in business | Min. interest rate | Term length | Learn more |
|---|---|---|---|---|---|---|---|
 with Fundera by NerdWallet | Read expert review | bad credit | $10,000 | 3 months | Undisclosed | Up to 6 months | with Fundera by NerdWallet |
 with Fundera by NerdWallet | Read expert review | startups | $250,000 | 3 months | 36% | 3 months to 2 years and 2 months | with Fundera by NerdWallet |
 with Fundera by NerdWallet | Read expert review | traditionally underserved borrowers | $250,000 | 12 months | 9.99% | 18 months to 3 years | with Fundera by NerdWallet |
 with Fundera by NerdWallet | Read expert review | fast funding | $100,000 | 6 months | 39% | 12 to 24 months | with Fundera by NerdWallet |
 with Fundera by NerdWallet | Read expert review | large loan amounts | $500,000 | 12 months | 17.63% | 12 months to 5 years | with Fundera by NerdWallet |
 with Fundera by NerdWallet | Read expert review | low interest rates | $50,000 | Undisclosed | 8% | Up to 7 years | with Fundera by NerdWallet |
 with Fundera by NerdWallet | Read expert review | long-term loans | $500,000 | 24 months | 22.45% | 6 months to 5 years | with Fundera by NerdWallet |
 | Read expert review | equipment financing | $10,000,000 | 24 months | 5.99% | 24 months to 7 years | |
 | Read expert review | building a strong banking relationship | Undisclosed | 6 months | Undisclosed | Undisclosed |
best low-revenue business loans: More details
Giggle Finance: Best for bad credit
Annual revenue requirement: $18,000.
Giggle Finance - Merchant cash advance
with Fundera by NerdWallet
Max loan amount
$10,000
Min. credit score
300
Term length
Up to 6 months
Pros
- No minimum credit score requirement.
- Same-day funding available.
- Specifically designed for freelancers and self-employed individuals.
Cons
- Funding maxes out at $10,000 ($20,000 for repeat customers).
- Factor rate and fee information not available on website.
- Charges an origination fee.
Pros
- No minimum credit score requirement.
- Same-day funding available.
- Specifically designed for freelancers and self-employed individuals.
Cons
- Funding maxes out at $10,000 ($20,000 for repeat customers).
- Factor rate and fee information not available on website.
- Charges an origination fee.
with Fundera by NerdWallet
Fundbox: Best for startups
Annual revenue requirement: $30,000.
May fund quickly
Fundbox - Line of credit
with Fundera by NerdWallet
Max loan amount
$250,000
Min. credit score
600
Term length
3 months to 2 years and 2 months
Pros
- Financing available within two business days after approval.
- Simple application with minimal documentation required.
- Low minimum credit score, time in business and annual revenue requirements.
- No prepayment penalties, account maintenance fees or inactivity fees.
Cons
- Weekly repayments required.
Pros
- Financing available within two business days after approval.
- Simple application with minimal documentation required.
- Low minimum credit score, time in business and annual revenue requirements.
- No prepayment penalties, account maintenance fees or inactivity fees.
Cons
- Weekly repayments required.
with Fundera by NerdWallet
Accion: Best for traditionally underserved borrowers
Annual revenue requirement: $50,000.
Accion Opportunity Fund Small Business Working Capital Loan
with Fundera by NerdWallet
Max loan amount
$250,000
Min. credit score
620
Term length
18 months to 3 years
Pros
- Loan amounts from $5,000 to $250,000.
- Customized loan terms.
- No prepayment penalty.
Cons
- Slower processing speed compared with online lenders.
- Charges an origination fee.
- Not available in all U.S. states.
Pros
- Loan amounts from $5,000 to $250,000.
- Customized loan terms.
- No prepayment penalty.
Cons
- Slower processing speed compared with online lenders.
- Charges an origination fee.
- Not available in all U.S. states.
with Fundera by NerdWallet
Headway Capital: Best for fast funding
Annual revenue requirement: $50,000.
Headway Capital - Line of credit
with Fundera by NerdWallet
Max loan amount
$100,000
Min. credit score
625
Term length
12 to 24 months
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.
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.
with Fundera by NerdWallet
Quantum Lending Solutions: Best for large loan amounts
Annual revenue requirement: $50,000.
Quantum Lending Solutions - Term loan
with Fundera by NerdWallet
Max loan amount
$500,000
Min. credit score
680
Term length
12 months to 5 years
Pros
- Can be used to build business credit.
- Long repayment terms available.
- No prepayment penalty.
Cons
- Charges an origination fee.
- Not available in all 50 U.S. states.
- Not available in Hawaii, Massachusetts, Michigan, North Dakota, New Jersey, Nevada, New York, Ohio, Pennsylvania or Tennessee.
Pros
- Can be used to build business credit.
- Long repayment terms available.
- No prepayment penalty.
Cons
- Charges an origination fee.
- Not available in all 50 U.S. states.
- Not available in Hawaii, Massachusetts, Michigan, North Dakota, New Jersey, Nevada, New York, Ohio, Pennsylvania or Tennessee.
with Fundera by NerdWallet
U.S. Small Business Administration: Best for low interest rates
Annual revenue requirement varies by lender.
SBA microloan
with Fundera by NerdWallet
Max loan amount
$50,000
Min. credit score
620
Term length
Up to 7 years
Pros
- Can be used for a variety of funding purposes.
- Designed to finance traditionally underserved businesses.
- Startups and business owners with bad credit may be able to qualify.
- Competitive interest rates, low fees and long repayment terms.
- Intermediaries typically offer business training and educational resources.
Cons
- Loan amounts max out at $50,000.
- Can’t be used to pay existing debt or purchase real estate.
- Collateral is likely required.
- Slow funding timeline.
Pros
- Can be used for a variety of funding purposes.
- Designed to finance traditionally underserved businesses.
- Startups and business owners with bad credit may be able to qualify.
- Competitive interest rates, low fees and long repayment terms.
- Intermediaries typically offer business training and educational resources.
Cons
- Loan amounts max out at $50,000.
- Can’t be used to pay existing debt or purchase real estate.
- Collateral is likely required.
- Slow funding timeline.
with Fundera by NerdWallet
iBusiness Funding: Best for long-term loans
Annual revenue requirement: $50,000.
May fund quickly
iBusiness Funding - Online term loan
with Fundera by NerdWallet
Max loan amount
$500,000
Min. credit score
660
Term length
6 months to 5 years
Pros
- Cash can be available within two business days.
- Competitive rates among online lenders.
- Terms up to five years.
- iBusiness Funding also offers SBA loans up to $5 million.
Cons
- Charges an origination fee.
- Must be in business for a minimum of 24 months.
- Minimum credit score is higher than some other lenders.
Pros
- Cash can be available within two business days.
- Competitive rates among online lenders.
- Terms up to five years.
- iBusiness Funding also offers SBA loans up to $5 million.
Cons
- Charges an origination fee.
- Must be in business for a minimum of 24 months.
- Minimum credit score is higher than some other lenders.
with Fundera by NerdWallet
JR Capital: Best for equipment financing
No specific annual revenue requirement.
JR Capital - Equipment financing
Max loan amount
$10,000,000
Min. credit score
620
Term length
24 months to 7 years
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.
- Can be used to build business credit.
Cons
- Must have good credit to qualify for no prepayment penalties.
- Charges an origination fee.
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.
- Can be used to build business credit.
Cons
- Must have good credit to qualify for no prepayment penalties.
- Charges an origination fee.
Bank of America: Best for building a strong banking relationship
Annual revenue requirement: $50,000.
Bank of America Business Advantage Cash Secured Line of Credit
Max loan amount
Undisclosed
Min. credit score
700
Term length
Undisclosed
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.
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.
Why does revenue matter to business lenders?
Revenue is the amount of money your business brings in from selling your products or services, before expenses are subtracted. Along with profit, revenue helps paint a picture of your business’s financial health.
For lenders, steady and consistent revenue shows that you’re executing on your business plan and know how to run a small business.
More importantly, revenue is a key indicator of your ability to repay debt— beyond factors like personal credit score or time in business — which is why it plays a central role in business loan applications.
Although requirements vary by lender, many require that you have at least $100,000 in annual revenue (about $8,333 per month) in order to qualify for a business loan. Banks tend to have stricter revenue requirements, while online lenders may be more flexible.
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, they may have similar revenue requirements to traditional bank loans.
SBA microloans, which offer up to $50,000, can be a good option if you have low revenue. These loans are issued by nonprofit, intermediary lenders, which tend to have more flexible requirements than other SBA lenders.
Can you get a business loan with no revenue?
It’s possible to get a business loan with no revenue, but it will be more difficult to qualify. You’ll need other ways to demonstrate to a lender that you can repay the loan.
It can be helpful to have:
- Strong personal credit.
- Personal savings.
- A comprehensive business plan.
- Sufficient collateral.
Self-collateralizing loans, such as equipment or invoice financing, can be a particularly good option for low-revenue businesses. Equipment loans are secured by the equipment you’re purchasing, while invoice financing uses the value of unpaid customer invoices as collateral. Because the loan is backed by a specific asset, these financing options typically have more lenient qualification requirements.
Alternative financing options for businesses with low revenue
If you’re struggling to meet standard business loan requirements, consider these alternatives:
- 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 applications 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.
Last updated on January 20, 2026
How Fundera by NerdWallet works
Getting a business loan can be challenging, and several factors —
cost, speed, repayment schedule — can play a role in deciding which
product is right for you. Let us help you through the process.
Fill out one simple application
Answer a 3-minute questionnaire about your business to get personalized lending options. It’s free and won’t impact your credit score.
See your business loan options
Compare interest rates and repayment terms to choose the best product for your needs.
Get your loan
If the lender approves you, you’ll sign closing documents in order to receive funds. Some lenders can approve and fund loans within one business day.
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 $50,000 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.
