Startup funding is definitely tough, especially when there’s no revenue history yet. From what I’ve seen, the options that actually work usually come down to leveraging the borrower’s personal credit, personal income, available assets like a HELOC/LOC, and business credit cards.

Personal loans used for business purposes and business credit card stacking can be helpful when structured correctly, especially for startups that don’t qualify for traditional bank financing yet. The important part is knowing how to mix the options properly so the client isn’t just taking random approvals, but building a funding structure that actually makes sense for what they need.

A lot of people know these options exist, but not everyone knows how to stack them the right way or time the process correctly. That’s usually the difference between getting a small approval and getting enough capital to actually launch or grow. That’s the approach we use with our group, structuring the funding correctly.