If you want to know how to finance a startup business, you should look into external financing: a loan will allow you to get your business idea off the ground.
Luckily for you, there are many financing alternatives. But, at the same time, it can be stressful to try and figure out which one is the best and which you should avoid.
In this article, you’ll find all types of startup loans and the basic details of each, and how to get a loan for a new business.Fund your startup!
What Is A Start-Up Business Loan?
A start-up loan is a financial product designed and explicitly geared toward entrepreneurs and new venture launches.
Often, they will have lower qualification requirements and more favorable repayment terms since applicants often don’t have long credit histories and time in operation.
How To Finance A Startup Business: 25 Alternatives For Entrepreneurs
How to finance a startup business? With a startup loan!
Below you’ll find a list of the most common types of business funding for new companies.
Financial institutions do offer startup loans for new businesses. These loans are specific to the unique situation and needs of entrepreneurs.
There are a lot of really great features of these loans to start a business.
Some lenders will have lower application and qualification requirements.
One excellent option is to apply for a Camino Financial loan.
Our loan is an excellent alternative for smaller businesses that are just starting and don’t have the history or means of other more well-established companies. You can also use it if you’re just planning to open a business.
To qualify, you just need to be current with your outstanding debt, have at least $1,500 in monthly income, and have a bank account that’s been active for at least six months. We also accept applicants who have no credit history.
You can apply with either a Social Security number or an ITIN.
The loan size ranges from $1,500 to $7,500, and the repayment period can last between 12 and 36 months. Plus, the fixed APR can fall between 33% and 35%.
This is an excellent option for entrepreneurs who need some financing to get their new project off the ground. With very low requirements, it’s one of the best start-up loans for small businesses.Apply now!
The Small Business Administration offers the best loans to finance a starting business.
Private lenders offer these SBA loans, but the SBA guarantees up to 85% of the loan.
You can qualify for a loan of up to $5 million through the SBA 7(a) program, their most common program. Any loan of up to $25,000 does not require any collateral. Loans of greater than $350,000 do require collateral, though.
The SBA caps the interest rate at Prime rate plus 2.25% for loans of seven years or fewer and Prime rate plus 2.75% for seven years or more.
SBA microloans for start-up business
Another type of government loan is microloans for start-up businesses, which are very popular. These loans offer up to $50,000, but the average loan is roughly $13,000.
The rates for their microloans for small businesses can vary but are generally between 8% and 13%.
The downside is that the application process for SBA can be pretty extensive.
You’ll have to provide financial statements, background, personal borrower information, income tax returns, business history and overview, a copy of your business lease, and potentially even more information.
You’ll also need a minimum personal credit score close to 700 and a clean business credit history.
An SBA loan requires applicants to have a Social Security Number to apply.
Startup venture capital is a type of private equity financing provided by firms or funds to small, early-stage, high-potential growth companies.
The goal of venture capitalists is to make money by investing in and owning equity in these companies.
The benefits of this type of funding are that you don’t have to give up control of your company nor repay the money if your business fails.
On the other hand, it can be difficult to find venture capitalists willing to invest in your company. And when you do, they will want a say in how you run your company.
How to get venture capital funding?
Research and identify the right venture capitalists for your business. Then, prepare for VC investment by having a clear business model, a strong management team, and significant traction.
Finally, put together a killer pitch deck to convince VCs to invest in your company.
Venture capital financing is usually a better option for businesses in the information technology, communications, and biotechnology industries.
Private equity vs. venture capital
- Private equity firms invest in already established companies.
- Venture capital firms invest in startups.
A startup incubator is a program that helps early-stage startups develop and grow.
These programs typically provide office space, mentorship, and access to funding. Plus, you can access resources that would otherwise be unavailable to you.
The most attractive feature of incubators is that you can benefit from the experience and expertise of the people who run the incubator.
Unfortunately, the application process can be competitive, and there may be strict requirements that you must meet to participate in the program.
If this sounds like something you’d like to try, research the different available programs and find a program that is a good fit for your company. Then apply to the program.
Follow the application requirements carefully to increase your acceptance chances.
Microloans For Start-Up Businesses
Microloans are very similar to regular business loans. But, as the name implies, they’re micro: they offer smaller amounts of money.
These are great alternatives for business owners who need more capital than what a personal loan offers but don’t need massive amounts.
They’re perfect for entrepreneurs that are just starting.
Microloans can be easier to apply for because they offer smaller amounts. In other words, the lender might have fewer requirements or be more open to lending to people with bad credit scores.
Depending on the lender, you can expect to receive amounts from $5,000 and up to $75,000 (compared to regular business loans that can advance up to $400,000 or more).
At Camino Financial, we can offer you a microloan with fixed rates, 24 to 36 months to pay, and annual interest rates starting at 25.5%.
To qualify, you just need to meet our minimal requirements:
- 9 months in business
- $2,500 in monthly gross sales
- own at least 50% of the business
- have an ITIN or SSN
Business Credit Card
Credit cards are one of the most common forms of financing available globally.
They are relatively easy to qualify for, and financial institutions that provide them offer quick and straightforward application processes, which you can complete in minutes online.
A business owner may choose to use a personal or business credit card to fund a startup, and there are some benefits to doing this.
You don’t have to take out a large amount of money upfront. Instead, you can just tap into your available credit line whenever you need it to pay for any number of expenses.
You’ll also only make repayments on the amount you’ve used on the business or personal credit card.
Personal credit cards are generally easier to qualify for. They typically just require a credit check, and that’s it. You won’t need to provide detailed background information or business documents.
The flip side, though, is that either a personal or business credit card often charges very high-interest rates.
In many cases, the interest rate for a business credit card will be at least 20%, if not a lot more. These rates make this type of funding very expensive, very quickly.
Companies that provide credit cards for startups will require a decent personal credit history and score. Some will accept bad credit, but they will often offer meager credit limits, making them not a good fit for start-up loans for business.
Some companies will also accept an ITIN for applicants instead of a Social Security Number.
There are only a limited number of companies that offer ITIN credit cards, though, and an even more limited number for businesses.
Invoice financing is another option that small businesses will turn to when they need extra cash. This type of financing is slightly different from the others mentioned so far.
With this type of loan, you will receive the amount of money in the current business’ outstanding invoices instead of borrowing in clumps or one lump sum.
Factoring is a very similar type of financing.
A lender that offers this financing will essentially purchase the business’ outstanding invoices. That company will then be responsible for collecting the due amount.
The business benefits because they don’t have to collect the invoices and get their money fast.
You won’t need a credit check because the outstanding invoices will give you the financing.
The downside to this is the lenders charge a high fee for doing so. For example, the lender may only pay 70% of the value of the outstanding invoices. These rates mean you will be leaving a lot of money on the table.
In addition, this isn’t a great alternative to business loans for start-up businesses because you’ll need to have actual outstanding invoices to qualify.
If you are new and don’t have any outstanding invoices—or even if you have just a little bit—this probably isn’t a viable option.
Line Of Credit
A startup business line of credit works very similarly to a credit card.
A lender will approve you for a set credit limit, and you can draw down on that limit whenever you need it to pay for whatever you need. The interest you will receive it’s linked to the money your use.
The flexibility in what you draw down and what you must repay are some of the most significant benefits of a line of credit.
The downside is that you are often limited to how much you can draw at any one time.
Even if the lender approves you for a credit limit of $50,000, you may only be able to draw down $2,000 at a time, for example. These amounts severely limit what you can do with this financing.
The typical repayment period for a business line of credit is 12 to 36 months, and the interest rates can be pretty high—as much as 25% or more.
Most lenders will require an SSN to apply and a good credit score for start-up business loans.
Personal Loan For Business Use
Another option is to take out a personal loan for a small business start-up loan. It’s a viable option for entrepreneurs who want to finance a business venture on their own anyway.
Instead of relying on the business’ credit, time in operation, or financial statements, the lender will give personal loans on the merits of the entrepreneur.
Many people just beginning a new venture will go this route for start-up business loans.
Typical personal credit will offer as little as $2,000 and as much as $50,000. They generally offer pretty decent repayment options that could last anywhere from two to five years. Many offer fixed interest rates as well, which is a nice feature.
The positive aspect of personal loans is that it relies only on the individual’s financial situation and nothing about the business. The downside is that many don’t have very high borrowing limits.
Practically every company that offers these loans will require a Social Security Number.
Interest rates for most personal financing will start at 10% but could go as high as 30%, depending on several factors. This is especially true if you need your money fast and don’t have a great credit score.
Apply For A Personal Loan!
You can use Solopreneur Loans as personal loans, which means you can access capital even if you only have an ITIN. And we also approve of people with no credit scores.
Small Business Grants
A grant is a sum of money given by an organization to a person, company, or project that will benefit the public somehow.
The thing that makes grants unique is that you don’t have to repay them: it’s free money, and you can use them for various business purposes.
For that same reason, the application process can be competitive, and the organizations that offer them usually have strict requirements.
There are many different grants available. Many are industry or minority-specific grants.
Use grants.gov to find the one that better suits your needs.
Peer-to-peer lending is a type of lending where people borrow and lend money to each other without going through a traditional financial institution.
This means that you can get a loan even if you have bad credit. Although, the process can be slow.
Loans from peer-to-peer lenders tend to have lower interest rates than loans from banks, but it can be challenging to find a lender willing to lend you the amount of money you need.
To get a loan from a peer-to-peer lender, you should carefully research different online lenders to find one with reasonable rates and a strong reputation.
Then, choose a lender willing to lend you the amount of money you need. Finally, apply for the loan.
Many start-up companies are turning to alternative funding sources such as crowdfunding. This type of funding will search for private people to help fund a start-up business.
People can invest in businesses on popular crowdfunding sites online, and they will receive something in return. Most of the time, they will own a piece of the company.
The benefit of this type of financing is that there is no interest charged. Instead of paying interest in return for the money, the entrepreneur will give up part of the ownership in the company in exchange.
This can also be a downside, though. Giving up an ownership stake in the company before it even starts can cost an entrepreneur more money down the line than interest charges would.
There is no official approval or application process for this type of startup funding. Instead, entrepreneurs will set up a page on a crowdfunding site and tell their story about who they are, what they’re doing, and why they need the money.
They will then be responsible for marketing the page so that people will go to it and, hopefully, decide to invest.
Angel investors work in a similar way to crowdfunding in that it’s money from private people who are investing in your company.
The main difference is that these angel investors are typically single individuals—or a small group of individuals—. These are the type of people who has experience in investing in start-ups.
Many entrepreneurs prefer back by angel investors, especially as TV shows featuring them are popular. However, it’s not always easy to get them on board.
Angel investors are typically very picky in which companies they choose. Also, they don’t usually invest in conceptual ideas or start-up companies without some proven track record of success.
Again, there’s no limit to the amount you can obtain this way, nor a typical application process. Instead, you’ll have to give a pitch presentation to a potential angel investor, hoping one of them shows interest in you.
They will probably also require you to submit documents about the business and maybe even yourself.
There’s no repayment here, as this is investment money. However, you’ll most likely be giving up part ownership in your company in exchange for the funding.
A bank loan refers to a financial institution that lends money to a borrower for a business purpose.
The process is relatively straightforward and, sometimes, and depending on the bank, you can get a loan even if you have bad credit.
That said, the interest rates on bank loans are often high. They may even require you to put up collateral.
To get a bank loan, research the different banks that are available and their requirements. Then, decide on a bank willing to lend you the amount of money you need. Finally, apply for the loan that best meets your needs.
Community Development Financial Institutions are institutions with the goal of helping small businesses and entrepreneurs in underbanked communities.
Advantages of CDFI loans:
- Interest rates are often lower than other types of loans.
- You may be able to get a loan even if you have bad credit.
To get a loan from a CDFI, you should do the following:
- Research available CDFIs.
- Choose a CDFI willing to lend you the amount of money you need.
- Apply for the loan, carefully following all requirements.
Camino Financial is the first-ever Neo-CDFI. This means that we use the power of AI to help underserved business owners.
That’s why we have minimal requirements that are very easy to meet.
Why not apply today?Apply with a CDFI
Home Equity Loan
A home equity loan uses your home as collateral.
This type of loan can help you finance major expenses such as home repairs, medical bills, or college education.
You can usually get a lower interest rate than with other types of loans, and the interest you pay on a home equity loan may be tax-deductible.
But, if you default on the loan, you could lose your home. Alternatively, the value of your home could decline, and you could end up owing more than the house is worth.
To get a home equity loan, you should:
- Check your credit score and make sure it’s in good shape.
- Shop around for the best interest rate.
- Get quotes from multiple lenders and compare loan terms.
- Make sure you can afford the monthly payments.
Retirement accounts are investment accounts that help people save for retirement. The most common type of retirement account is a 401(k).
If you have a 401(k), in some cases, you can use these savings as business startup funding.
- You can have quick access to a substantial amount of funding.
- If you plan to withdraw $50,000 or more, you may qualify for a rollover (ROBS), which you don’t need to pay back.
- You will have to pay taxes on the money when you withdraw it.
- Using your retirement money may reduce the amount you have available when you are ready to retire.
To use your retirement account for startup funding, you need to check with your 401(k) account administrator to find out what options are available for you.
Then, determine which option meets your needs.
If you decide to borrow against your account, consider the repayment requirements. And if you are considering withdrawing money before you reach retirement age, be sure to consider any early withdrawal penalties.
Lastly, complete the process to roll over, borrow, or withdraw funds from your account.
Funding contests are competitions where people submit business proposals, and the winner gets a cash prize.
While the process can be fun and exciting, the competition can be fierce, and you may not win the contest even if your proposal is good.
Do the following to participate in a funding contest:
- Research the different contests that are available.
- Find a contest that is a good fit for your company.
- Apply and participate.
Friends And Family, Or Savings
You can also borrow money from friends and family or have them invest in your company.
This alternative can work as a loan (with a repayment period and terms) or an investment. There are usually no application and approval processes since the people involved are your friends and family.
Your friends and family may charge interest if it’s a loan, and you will negotiate with them directly. On the other hand, if it’s an investment, you’ll be giving up ownership of your company.
Another option would be to take money out of your savings.
Using savings might not be viable for everyone, though, depending on how much financing you need and how much you have. It also could be risky, as you may have no other money to fall back on if you need some for your personal life.
Get Approved For A Loan Today
Don’t use your personal savings nor risk your relationships! It’s better to get a loan.
Trade credit (also called vendor financing) is when a supplier extends credit to a buyer to purchase goods or services. The buyer then has a certain period to pay back the debt.
With this type of credit, you can’t fund business investments, but you can get the goods or services you need without paying for them right away.
You may even get a discount if you pay back the debt early.
But if you don’t pay back the debt, your supplier may refuse to do business with you in the future, which could hurt your new business. Plus, the interest rates on trade credit can be high.
To get trade credit, ask all your suppliers if they are willing to extend credit to you and their requirements. Then you just have to purchase the goods or services and then pay back the debt within the agreed-upon time.
Strategic Partner Financing
Strategic partner financing is when a company finances the purchase of goods or services from another company in exchange for equity in the business.
This means that you can get the goods or services you need without paying for them right away.
Your company also gains the expertise and experience of your strategic partner, which helps you grow your business.
But having partners is not for everyone. For example, your strategic partner may have a different business culture than your company. This can make it difficult to adjust and can lead to friction.
If strategic partner financing sounds like a great financing option for your business, carefully research companies that may be willing to enter a strategic partnership with you.
Then choose a company willing to finance your purchase in exchange for equity. Finally, enter into a strategic partnership agreement with that company.
4 Other Alternatives
There are also other financial products that you can consider, such as:
The thing is that most of the time, the requirements these loans have do not allow new businesses to apply. That said, these loans might still be worth considering and investigating.Get Approved For A Loan Today
How To Choose The Right Type Of Business Startup Funding
Choosing an appropriate type of funding for your startup will depend on a few factors, such as the amount of money you need, the stage of your business, the type of business you have, etc.
- If you are just starting, you may want to consider a startup loan.
- Alternatively, if you need money to purchase equipment, you may want to consider an equipment loan.
- On the other hand, if you’ve been in business for a while and have pending invoices, you may want to consider invoice financing.
It’s essential to shop around and compare different types of loans before deciding. You should also make sure that you understand all of the terms and conditions before signing any agreements.
Is A Startup Loan Right For Your Business?
As you consider the various funding options you’ll have for your business; you will undoubtedly question whether a start-up loan is right for your business.
Many people would like to avoid taking on debt if they have to, especially as they start a new venture.
But, at the same time, many people don’t have the available cash on hand that’s necessary to fund a new business out of their savings. And friends and family aren’t always a great option, either.
As you’re considering small business start-up loans, you should ask yourself whether you can afford them on your own or through the help of private people you know.
If there are no grants available, and crowdfunding isn’t an option—or didn’t work—then start-up business loans might be your only option.
But don’t get discouraged if this is the case for you. In fact, small business start-up loans are good and can be highly beneficial to your new business.
Many small business owners don’t know that debt is not always something negative. On the contrary, it can be very beneficial if used correctly.
For one, loans don’t require you to put down a lot of your own capital to start your venture. This will allow you to diversify the money you have or, in other words, not put all your eggs in one basket.
Obtaining financing through start-up loans for business can allow you to grow your own business instead of forcing you to get significant returns right away.
This freedom is truly a great thing and can help you take advantage of other prime opportunities as they arise.Apply For Startup funding!
Pros And Cons of Small Business Loans for Start-Ups
- Having money to invest gives your business a boost and can help you improve your profits.
- As you make timely payments, you build credit to qualify for more credit in the future.
- And don’t forget that a commercial loan enables you to use cash to purchase inventory, equipment or set aside an amount for emergency expenses.
- Loan proceeds also help business owners regulate cash flow as they grow their business.
- Some lenders may require start-ups to provide collateral such as a vehicle or a cash deposit to secure the small business loan. However, most new business owners don’t have assets to offer.
Fortunately, Camino Financial loans don’t require collateral.
Startup Business Loan Requirements
Lenders vary in their requirements, with some being more strict than others. They need enough financial information to determine the lending risk of a potential borrower. To be eligible for a loan, you must be able to repay the loan.
You won’t have a business credit score as a start-up business; that’s why the lender will review your personal score and tax returns.
Lenders might also ask to see a business plan.
Since you haven’t established a business credit score, the lender might ask you to sign a personal guarantee indicating you will repay the loan should your business fail.
Some lenders may require personal assets as collateral to qualify you for the loan.
Lenders will verify that you’re current with creditors and do not have outstanding financial debts. They will also want copies of business documents such as business registration and license.
Camino Financial loans have minimal requirements.
How To Get Start-Up Loans For Business
If you’ve decided to pursue small business start-up loans, you should prepare yourself for the process ahead.
Depending on which option you choose, realize that you may need to provide the lenders with different documents, and you may have to meet additional qualifications.
In general, though, you will have to provide any lender with basic personal information and information about the business you own or are starting.
You’ll need to provide your Social Security number or ITIN, depending on your lender.
You may need to provide documentation that proves that you own the business, have been in operation for a certain amount of time, and have been successful in your endeavor so far.
Some of the documents that could help prove this are:
- Articles of incorporation
- Profit and loss statements
- Bank records (personal and business)
- Tax returns (personal and business)
- Detailed business plan
The application process is typically relatively quick, and you can even complete some online. The significant difference in the process for start-up loans for businesses is in the discovery and document phase.
Some lenders might have you provide all of the documents above and possibly even more.
But at Camino Financial, we won’t burden you by requiring a trove of documents to prove your worthiness. Instead, our application process is entirely paperless and effortless. Plus, it’s completely online.
Apply anytime, anywhere.Get Approved Today
Tips To Improve Your Chances Of Getting A Small-Business Start-Up Loan
No matter what start-up loans for a business you’ve decided to go for, there are some tips you can follow to put yourself in the best position possible to qualify.
Strengthen Your Financial Situation
First and foremost, you should try to get yourself in the best personal financial situation possible.
This means making sure you have a relatively good history of paying your bills on time.
You should be current with your bills so that traditional and online lenders see that you’re not already falling behind before taking their money.
While not all lenders will require a high credit score, it’s always a great idea to boost it.
The better you look from a personal financial situation, the more likely you will be to qualify for as many startup loans for business as possible.
Make Sure You Have Everything You Need
In preparation for applying for a loan, you should also get all your financial and business documents in order.
Lenders are often impressed by organized entrepreneurs and have all their ducks in a row, so to speak.
A red flag for a lender is that an entrepreneur shows signs of disorganization if they don’t have basic documents—or have trouble getting them.
So gather all of these documents before you even apply for start-up loans for business so that if your lender asks for them, you have them already set up and ready to send.
Have A Business Plan
It’s also a great idea to have a detailed plan for how you plan to spend the money they lend you—and how you plan to pay it back.
If a lender is on the fence about approving you, a business plan could push them over the edge in your favor.
How To Manage Finances In A Startup Company
Here are some helpful tips that’ll help you manage your finances in your startup company:
- Track your expenses and income carefully. This will give you a good idea of where your money is going and where you can cut back.
- Create a budget and stick to it. This will help you stay on track with your spending.
- Pay yourself first. Make sure you take care of your own financial needs before you reinvest all of your profits back into the business.
- Save for a rainy day. It’s important to have some savings set aside in case something unexpected comes up.
- Invest in accounting software. This will help you keep track of your finances and ensure that you are staying on track.
- Hire a financial consultant. If you are having trouble managing your finances, hiring someone who can help you get your finances in order may be helpful.
You Can Get Funding For Startup Businesses
Now you know how to finance a startup business.
Start-up loans for businesses are a great option when an entrepreneur needs funds to get a new project off the ground. It can allow you to grow your company over time without worrying about draining your savings in the meantime.
Businesses need money to survive.
In fact, most new small businesses fail because they don’t have enough funds. This is why a Camino Financial small business start-up loan is such a great option.
New businesses and those trying to get off the ground will particularly love our Solopreneur loan.
We build this financial product specifically to the needs of entrepreneurs to help support their new business venture.
We offer unsecured business loans for start-ups, which means we’ll approve you without collateral.
Plus, we don’t require a lengthy credit history or high credit score for start-up business loans or years in business to qualify.
We even accept applicants with an ITIN because we know how hard it is for immigrants to get the necessary funding to start a new business.
Apply for a loan with us today to help your new business venture get off the ground and succeed for years to come.Apply now!
How can a start-up business loan grow your small business?
Start-up business loans are a great way to allow you to grow over time and put in the necessary investments into your business.
Businesses take time to grow, and they take money to help them get there.
As the saying goes, “it takes money to make money.”
Unless you have a lot of money in your savings, you won’t have a reliable way to obtain this money without start-up loans for business.
How can I get a loan to start a business if I have bad credit?
You can get business start-up loans for bad credit despite having few options!
Some lenders approve applicants with bad credit, but they usually make you pay for it with high interest and fees.
Luckily, Camino Financial doesn’t do that. So, depending on your situation, we can advance the loan you need, even if you have a bad credit score!
Are there any start-up business loans for minorities with bad credit?
At Camino Financial, we specialize in helping minority business owners other lenders or financial institutions turn down.
We will not only review your FICO score, but we will use our CaminoScore technology to reach a loan decision. This helps us approve many small business owners with bad credit scores.
Do banks lend to start-ups?
Banks will lend to start-ups (also credit unions). However, they often have higher qualification requirements and force borrowers to undergo a demanding application process to see if they qualify.
If you plan to go with a traditional bank for start-up loans for business, you will have to provide many documents to prove you’re worthy.
Do I need to have a credit score to get start-up business loans?
Most lenders will require that you have a credit score to get start-up business loans.
Some, such as Camino Financial, don’t require a credit score or any credit history at all, though.
Can I get a loan for starting a new business?
It depends. If you have good credit, you may qualify for a bank or credit union loan. However, if you are just starting, you may not qualify for a traditional lender.
Consider alternatives such as working capital loans, equipment financing, small business loan, invoice financing, factoring, MCAs, etc.
How easy is it to get a business startup loan?
It depends on various factors such as your credit history, the amount of money you need, the stage of your business, the type of business you have, etc.
How are most startups financed?
There are many different ways that you can finance a startup. Common methods include venture capital, an angel investor, crowdfunding, and loans from friends and family.
Do startups qualify for SBA loans?
It depends on the type of SBA loan and your own business.
Some SBA loans may only be available to businesses that have been in operation for a certain amount of time.
How much of a loan can a startup business get?
There is no specific answer to this question since it will depend on the type of loan, your credit history, the amount of money you need, the stage of your business, the type of business you have, etc.
That said, startups usually get smaller loans, up to $20,000.
How do you finance a franchise startup?
There are a few different ways that you can finance a franchise. Some standard methods include loans from friends and family, small business loans, working capital loans, equipment financing, and invoice financing.
What is venture capital?
It’s a type of business financing where investors help startups by giving them funds in exchange for equity.
Are there any alternatives to venture capital?
Yes, there are many options you have to fund your business. Some of them are:
What’s the best way to finance a startup business?
One of the best options is to get a startup loan from Camino Financial.