澳洲幸运5官方开奖结果体彩网

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Best Small Business Loans With Low Revenue

By
澳洲幸运5官方开奖结果体彩网:Lars Peterson
A black-and-white photograph shows Lars Peterson
澳洲幸运5官方开奖结果体彩网:Full Bio

Lars Peterson joined Investopedia in 2023 as a senior editor of financial product reviews with a focus on personal loans, credit cards, mortgages, and other financial products and services. Lars has over 20 years of experience as a writer and editor in personal finance, business, and small business. He has a master's in English from California State University, Long Beach.

Learn about our 澳洲幸运5官方开奖结果体彩网:editorial policies
Updated April 23, 2025
Fact checked by
Sana Siddiqui
A photograph shows research analyst Sana Saddiqui.
Fact checked by Sana Siddiqui
Full Bio

Sana Siddiqui is a full-time Research Analyst at Investopedia with over 10 years of experience focusing on financial products and services. She has a bachelor's in communications from Southern New Hampshire University. Sana's expertise in lending and underwriting gives her broad insight into the business practices of the financial industry.

Learn about our 澳洲幸运5官方开奖结果体彩网:editorial policies

Investopedia’s pick for the best small business loans for borrowers with lo✨w revenue is . It features a low minimum annual revenue requirement, a wide range of loan amounts and repayment terms, and flexible approvals.

澳洲幸运5官方开奖结果体彩网:Businesses with low revenue, such as startups, can struggle to meet many lenders' monthly or annual revenue requirements. The lenders highlighted here all have minimum revenue requirements under $100,000—many much lower. These lenders𝓀 feature lower minimum credit score and business-age requirements, too. Their generally efficient application and approval processes allow you to get funded fast.

Investopedia collected and evaluated hundreds of data points covering dozens of factors for the 15 lenders we evaluated before selecting the best small business loans with low revenue.

Best Small Business Loans With Low Revenue

Best Overall, Best for Startups, Best for Low Credit : Finance Factory

Investopedia's Rating
4.8
Finance Factory

 Finance Factory
  • Minimum Annual Revenue: $12,000
  • Loan Amounts: $5,000–$100,000
  • Loan Terms: 0 months–84 months
Why We Chose It

With a low minimum revenue requirement, flexible loan amounts and repayment terms, and flexible underwriting, Finance Factory is our top choice for business loans with low revenue. It’s also our choice for the 澳洲幸运5官方开奖结果体彩网:best startup business loans.

Pros & Cons
Pros

  • Low annual business income requirement

  • No business age requirement

  • Streamlined application process

Cons

  • Ideal credit score is at least 700

  • 7-10 day funding time for business credit cards

Overview

Along with its low business revenue requirement, Finance Factory features a low credit score requirement (600) and a low business age requirement (none is required). Together, these make Finance Factory a good choice for business💎es just starting out or those without the best credit profiles.

Finance Factory offers many types of business financing, including unsecured business loans, SBA loans, 澳洲幸运5官方开奖结果体彩网:merchant cash advances, equipment fi♈nancing and leasing, and ﷽more. Borrowers start the application online and complete it with a loan specialist. After you apply, the lender promises an estimate outlining your options within two days. 

Finance Factory receives high marks from online reviewers. 𒁏If you have questions about the process or what you need to apply, you can contact customer support via p💦hone, live online chat, or email. Investopedia researchers rated the online experience and the site’s collection of educational resources 3 out of 5, each.

Founded in 2006, Finance Factory is headquartered in Towson, Maryland. Since then, it has f🍎acilitated more than $1 billion in business funding. 

Additional Details

Minimum Credit Score 600
Origination Fees None
Minimum Time to Fund 3 days

Best for Short-Term Funding : Fundbox

Fundbox

 Fundbox
  • Minimum Annual Revenue: $30,000
  • Loan Amounts: Not disclosed
  • Loan Terms: 3 months–6 months
Why We Chose It

If your business needs money to launch, for working capital, or otherﷺ needs, and you aren’t looking for a long-term loan, Fundbox provides short-term loans of three or six months, repaid weekly. The minimum annual revenue requirement is just $30,000.

Pros & Cons
Pros

  • Low minimum credit score requirement

  • Low business age requirement

  • Fast funding

Cons

  • Autopay required

  • Short repayment terms

Overview

In addit🍸ion to its short-term loan repayment options, Fundbox has a minimum annual funding requirement of $30,000 and a business age requirement of just three months. Borrowers need a credit score of 600 or higher to qualify. You can choose between a loan term of three months or six months and repayment is made weekly via autopay from your checking account. 

Unlike some other lenders we reviewed, Fundbox offers a limited range of business loans. You can choose between a loan term of three months or six months, and repayment is made weekly via autopay from your checking account. It also offers a merchant cash advance if your business uses Stripe to process credit card payments. Fundbox says it can make a funding decision in just a few minutes without dinging your personal or business 澳洲幸运5官方开奖结果体彩网:credit score. Funds can be in your bank account in two days. If you have questions or need help, you can🐓 reach customer service via phone or email. There’s also a helpful collection of FAQs available on the site.

Investopedia researchers rated Fundbox’s online experience a 3 out of 5 and its educational resources also rated a 3 out of 5. Online reviewers have given the lender strongly positive reviews. Its mobile app scores highly in both the Ap🌠ple and Android app stores.

Fundbox was founded in 2013 by a small business owner who couldn’t get funding for her business. It is headquartered in San Fr🃏ancisco, California.

Additional Details

Minimum Credit Score 600
Origination Fees None
Minimum Time to Fund 2 days

Best for Fast Funding : Become.co

Investopedia's Rating
3.9
become.co

become.co
  • Minimum Annual Revenue: $36,000  
  • Loan Amounts: $5,000–$1,000,000
  • Loan Terms: 3 months–36 months
Why We Chose It

As a lending platform, Become.co connects small business borrowers with small business lenders. The business revenue requirement is ju🌳st $36,000 annually. The company says it can fund loans the same day they are approved.

Pros & Cons
Pros

  • Fast funding

  • Large loan amounts

Cons

  • So-so online experience

  • Few loan details disclosed

Overview

Become can match lenders and borrowers with different needs because it's a lending platform with more than 50 financial partners in the U.S. and Australia. Borrowers with annual business revenue of $36,000 may be approved. The business age requirement is just four months. Credit score requirements are not disclosed.

Become offers unsecured business loans, SBA loans, merchant cash advances, lines of credit, 澳洲幸运5官方开奖结果体彩网:equipment loans, and invoi💫ce factoring. The application process begins online, where applicants provide basic information. In a few moments the platform provides offers from one or more of its partners. Once you choose, the lender will contact you to f🍨inalize the process. Become says qualified applicants can receive funds in just three hours. 

Note

If you don’t qualify, Become transfers you to its 🐠“LendingScore” dashboard, where you can find out why your application was denied and how to improve your credit profile.

Become has earned high ratings from online reviewers. Investopedia’s researchers rated the online experience a 3 out of 5 and the educational resources a 4 out of 5. Our scoring model rewards providers that make it easy for consumers to find the information they need to make a decision (online experience) and help them 🦂gain a better understanding of the product or service (educational resources). You can contact customer service via phone or email if you need assistance.

Become.co says it has facilitated $316 million in business cre🔥dit since its founding.

Additional Details

Minimum Credit Score Not disclosed
Origination Fees None
Minimum Time to Fund Same day as approval

Also Good for Low Credit : Lendio

Investopedia's Rating
3.6
Lendio logo

Lendio
  • Minimum Annual Revenue: $96,000
  • Loan Amounts: $1,000–$250,000
  • Loan Terms: 6 months–24 months
Why We Chose It

Lendio is a platform that matches small business 𒀰borrowers with lenders with various underwriting standards. The minimum required revenue is $96,000ﷺ.

Pros & Cons
Pros

  • Low minimum credit score

  • Pay interest only on funds borrowed

  • Quick application process

Cons

  • Low maximum repayment term

  • Interest rates not disclosed

Overview

Lendio’s annual business revenue requirement is at the top of our range, but still below the $100,000 cap we set when evaluating lenders for businesses with low revenue. The plat𒐪form’s minimum business age requirement is just six months. The minimum credit score is 600. 

Lendio offers u🦋nsecured business loans, SBA loans, lines of credit, equipment loans, accounts receivable loans, and more. The platform boasts more than 75 funding partners. After you fill out an application, you’ll receive several offers. A Lendio loan specialist will help you underꦇstand your choices and make the right decision. 

Lendio receives high marks from online reviewers. Investopedia researchers rated the online experience a 4 out of 5 and the site’s educational resources a 4 out of 5. Customer support is availabl🐓e via phone and🍃 email.

Lendio is a small bu💫siness lending marketplace launched in 2011. It is headquartered in Lehi, Utah.

Additional Details

Minimum Credit Score 600
Origination Fees None
Minimum Time to Fund 1 day following approval

Best for Maturing Businesses : American Express

Investopedia's Rating
3.5
American Express Logo

American Express
  • Minimum Annual Revenue: $36,000
  • Loan Amounts: $2,000–$250,000
  • Loan Terms: 1 month–24 months
Why We Chose It

Many lenders with lower annual revenue requirements ♎also have lower business age requirements. American Express’s business age requirement of 12 months is higher than other lenders we reviewed. Its credit score requirement is higher, too, making it a better fit for borrowers with a little more history and grounding.

Pros & Cons
Pros

  • Low annual revenue requirement

  • Flexible loan amounts and repayment terms

  • Wide range of loan amounts

Cons

  • Complex fee schedule

Overview

Even if your business is older, you may yet need a lender with lower annual revenue requir💃ements. American Express says it will fund borrowꩵers with $36,000 in annual revenue and 12 months of business history. Its credit score minimum is 660, which is on the higher end of the lenders we researched. 

American Express offers two business plans: a line of credit with very short terms (one to three months) and an unsecured business loan with lo🌌nger terms of six to 2💮4 months. The shorter-term loans feature a single repayment at the end of the term. For longer-term loans, you’ll make monthly payments. 

Note

Fees for installment loans are based on the term, the amount borrowed, and your credit profile. Fees are added to your payments, but the amount is nﷺot revealed until you receive your loan approval. Review your loan offer carefully and make sure you understand the fees you will pay.

Like most big banks with millions of customers, American Express receives generally poor reviews online. Investopedia researchers rated the online experience and educational resources 4 out of 5. The site includes a helpful FAQ section covering all aspects ꦯof the business loan, from application to repayment. You can reach customer support via telephone.

American Express began in 1850 as a freight forwarder. Today it is a global payments provider and one of the nation’s la𓆉rgest banks.

Additional Details

Minimum Credit Score 660
Origination Fees 3%-27%
Minimum Time to Fund 1 day following approval

Best Small Business Loans With Low Revenue

Lender Min. Annual Revenue Min. Business Age Min. Required Credit Score
$12,000 None 600
$30,000 3 months 600
$36,000 4 months Not disclosed
$96,000 6 months 600
$36,000 12 months 660

Why Trust Us

Investopedia collected and analyz🐻ed ov𒁏er 500 key data points from 15 small business lenders to evaluate the most important factors for readers choosing financial partners for their small businesses. We used this data to review each lender based on minimum revenue requirements, cost, customer experience, and other factors. Investopedia developed this process to provide an unbiased, comprehensive review to ensure our readers make the right decision for their needs. Investopedia launched in 1999 and has been helping readers find the best small business lenders with low revenue requirements since 2023.

How🎀 We Choose the Best Small Business Loans With Low Revenue

To evaluate the best small business loans with low revenue, we collected 510 data points covering 34 factors from 15 lenders. We researched and evaluated APRs, loan amounts and terms, minimum credit score, minimum revenue, and minimum business age requirements, online experience, and the helpfulness of educational resources. We assigned♔ weights to the most important factors to borrowers and scored them to generate our star ratings. The weighted factors fell into five broad areas:

  • Cost: 19%
  • Terms: 20%
  • Borrowing Requirements: 33%
  • Reputation: 3%
  • Customer Experience: 25%
Coffee shop portrait of a woman or small business owner with startup success

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