This isn't for every borrower. This program is specifically designed for business owners with strong personal credit who are in the early stages. It funds based on your personal credit strength and income history — not business revenue. You need 700+ credit and $50K+ in annual personal income from any source (W2, 1099, self-employment).
I'm launching a business and need startup capital
You have a business plan, maybe an LLC filed, but no revenue yet. Banks won’t look at you. This program funds based on your personal credit strength and income history — not business revenue.
I'm leaving my W2 job to go full-time on my business
You’ve been running a side hustle and you’re ready to make the leap. Your personal credit is strong from your employment years. You need capital to bridge the transition.
I'm buying a franchise but haven't opened yet
You have a signed franchise agreement and a territory. You need capital for buildout, inventory, and initial operations. No business revenue exists yet.
I'm starting a holding company or real estate entity
You’re forming a new entity for investments or operations. Strong personal credit, no business history. This program funds the entity based on your personal profile.
I'm opening a practice straight out of school
Dentist, physician, veterinarian, optometrist — you have the degree, the license, maybe a lease signed. No revenue. Strong credit. Banks want 2+ years of business history you don’t have.
I'm launching an e-commerce or online business
Digital business with minimal overhead but you need inventory, marketing, or technology capital upfront. No brick-and-mortar revenue to show.
Unsecured Term Loans + 0% Credit Lines
Unsecured Term Loans
Unsecured Business Credit Lines
| Feature | Unsecured Term Loan | Unsecured Credit Line |
|---|---|---|
| Rate | 3.99%-12.99% APR | 0% intro (6-18mo), then 5.99%-14.99% |
| Structure | Lump sum, fixed payments | Revolving, draw as needed |
| Collateral | None | None |
| Liens | None | None |
| Credit requirement | 700+ | 700+ |
| Revenue required | No | No |
| Funding timeline | 7-10 days | 7-10 days |
| Best for | One-time startup costs | Ongoing flexible capital |
From Application to Funded in 5 Steps
Start Your Application (5 Minutes)
Complete the application through our secure lending portal. You’ll provide basic business and personal information.
Upload Your Documents
6 months of bank statements (personal or business) and 2 years of tax returns (personal or business). Upload directly in the portal.
Pull Your Credit Report
You pull your own credit report through the secure portal. This is a soft pull that you initiate — we don’t pull it for you.
Review Your Offers
Your dedicated funding specialist reviews your profile and presents your options: term loan, credit line, or both.
Get Funded (7-10 Days)
Sign digitally. Funds deposit directly into your business account within 7-10 days.
What You Need to Qualify
What You Need
What You Don't Need
Ready to Fund Your Startup?
No revenue required. No collateral. 0% intro rates available. Application takes about 5 minutes.
Start Your Application →Fully unsecured · 700+ credit · 7-10 day funding
Bobby Friel
Founder, Basecamp Funding
Most banks won't look at a startup. No revenue history means no underwriting model that works in their system. But your personal credit tells a different story. A 720 credit score means you've managed money responsibly for years. Our startup lending program uses that history — not your business bank statements — to fund your launch.
I've watched too many entrepreneurs drain their savings or max out personal cards because they didn't know this existed.
— Bobby Friel, Basecamp Funding - Founder
Startup Funding Scenarios
New dentist opening a solo practice. 780 credit score. Zero business revenue. $100K unsecured term loan at 5.99% + $75K credit line at 0% for 12 months. Total startup capital: $175K. No collateral. Funded in 9 days.
$175K funded → 0% on credit line → no collateral
Founder launching a DTC brand. 740 credit. Needed $60K for inventory and marketing. Unsecured term loan at 7.99%. No business revenue required. Used funds for first inventory order and Facebook ad campaign.
$60K funded → 7.99% → launched in 2 weeks
First-time franchise buyer with a signed agreement for a fast-casual concept. 720 credit. $85K unsecured credit line at 0% for 18 months for buildout costs. Plus $50K term loan at 6.99% for equipment and initial inventory.
$135K funded → 0% on credit line → franchise open
Software engineer leaving Google to launch a consulting firm. 760 credit. $40K unsecured credit line at 0% for 12 months. Covered 6 months of living expenses while building the client base. Zero interest paid during the transition.
$40K at 0% → 12 months interest-free → business profitable
Investor forming a new LLC for rental property acquisitions. 750 credit. $100K unsecured term loan at 5.49%. Used as down payment capital for first two properties. No business revenue existed — entity was 30 days old.
$100K funded → 30-day-old entity → 2 properties acquired
Chef opening first restaurant. 710 credit. $80K unsecured credit line at 0% for 12 months + $45K term loan at 8.99% for kitchen equipment. Total: $125K in startup capital without touching personal savings.
$125K funded → 0% on credit line → restaurant open
What Kills a Startup Application
Credit under 700
This program requires 700+ personal credit. If your score is below 700, our standard lending products may be a better fit. See standard loan products →
No bank statements
Even for startups, lenders need 6 months of bank statements — personal is fine if the business is new. This shows responsible money management.
No tax returns
2 years of personal tax returns are required. If you haven’t filed in 2+ years, resolve that before applying.
Recent bankruptcies or collections
Active collections, recent charge-offs, or undischarged bankruptcy will disqualify you from unsecured products regardless of your score.
Already have revenue and need faster funding?
If your business has 6+ months of history and $10K+/month in deposits, our standard lending products fund as fast as same day with no minimum credit score.
See Standard Loan Products →Capital Matched to Your Stage
Startup Capital
$25K to $100K
Unsecured term loans and 0% credit lines for new businesses. Based on personal credit and income.
Start Your Application →Growth Capital
$100K to $250K
Stacked credit lines and term loans for larger startup projects. Multiple lenders, one application.
Start Your Application →Established Business $250K+
$250K+
For revenue-generating businesses. Standard lending products with no minimum credit score. Fund as fast as same day.
See Standard Loan Products →Frequently Asked Questions
Startup Business Funding — Unsecured Capital for Pre-Revenue Businesses
Banks don't fund startups. They want 2+ years of financials, proven revenue, and a credit history that doesn't exist yet. But a 720 credit score and $50K+ income tells a different story — it means you've managed money responsibly for years. Our startup lending program uses that personal credit strength to fund your business before revenue starts flowing. Term loans from 3.99% APR and 0% intro credit lines for 6-18 months — fully unsecured, no collateral, funded in 7-10 days.
Whether you're opening a dental practice, launching an e-commerce brand, buying a franchise, or forming a real estate entity — this program is built for the gap between “I have a business” and “I have revenue.” Run your numbers on our loan cost calculator to see what the payments look like. Already generating revenue? Our standard lending products fund as fast as same day with no minimum credit score.
— Bobby Friel, Basecamp Funding - Founder
Your Credit Score Is Your Qualification
No revenue. No collateral. No business history. Just strong personal credit and a business worth building.
Start Your Application →700+ credit · Unsecured · 0% intro available · 7-10 day funding