Get Started Today & Speak With An Advisor


Simple Application

Our simple 15 second online application can get you matched with offers in minutes.


No Minimum FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.


Larger Amounts

Get matched with the best financing options with the highest funding amount.


Same Day Funding

Our Fintech Speed can get you in and out of Underwriting in just a few hours, and same day funding!

What Do You Need To Qualify?

No Time in Business Required

You can qualify for our top financing options as a startup.

No Minimum Monthly Sales

No minimum revenue needed to qualify for startup financing options.

650 + FICO

There is a minimum 650+ FICO score required to apply for startup financing.

Fintech Speed

Easy 15-second application to get options in just minutes and funding in hours!

Have Questions?
Speak with a ROK Business Financing Advisor today!

Our Business Financing Advisors will help you find the best financing options for your business to get you more funding, better terms, and lower interest rates. We're available to explain every step of the process from applications to your re-payment schedule!


Resources & Frequently Asked Questions

🌟 Can I Get a Startup Business Loan To Fund New Business?

Yes. There are financing options available for businesses, regardless of how long you’ve been in business, your revenue, or credit score. However, your options will be limited if you’ve been in business for less than 6 months or have less than $15,000 in monthly gross revenue. Getting a loan for your startup through a bank is unheard of due to strict lending guidelines that require an established record of business and proof of income. Applying with ROK Financial provides you access to a dedicated Business Financing Advisor at no-cost to discuss how to get a startup business loan and review other potential business financing options.

Getting the capital you need to fund your business can be essential for most startups. You may be facing inventory, equipment, or other challenges that require an unexpected cost. ROK Financial is here to provide all business owners with the best financing options available with flexible payment options, terms, and high approval amounts. To learn more complete our 15-second application

Where Can I Get a Startup Business Loan?

Obtaining business financing for your business may be difficult if you’ve been in business for less than 6 months. This immediately classifies your business to be considered a “startup”. With bank lending guidelines getting more stern, typical financing institutions may not be able to provide business financing for startups. However, you can qualify for business financing regardless of how long you’ve been in business or your gross revenue through an alternative financing company. 

ROK Financial is a leader in alternative financing that can provide your business with the best loan options for startups. After a simple online application, you’ll be paired with a Business Financing Advisor that can help you get in order what’s needed to review financing options and terms.

What Are The Requirements For a Startup Business Loan?

If you have been in business for less than 6 months, you are considered a startup. Most financing options require a minimum of 6 months in business and at least $15,000 gross revenue per month. However, startups can be exempt of these requirements. The only requirement would be a credit score of at least 650+.

Every financing solution is unique, which is why ROK Financial provides a no-cost Business Financing Advisor to discuss your financing options and choose what makes the most sense for your business. To learn more, complete our 15-second online application.

Can You Get a Startup Business Loan With Bad Credit?

Yes, you can qualify for a startup business loan with bad credit. As long as your credit score is 620 or above, we can provide you with business loan options. Additionally, there are no requirements for time in business or gross revenue. However, your options may be limited.

Most financing options require 6+ months in business, or $15,000 in gross revenue per month. If you meet these standards, be sure to let your Business Financing Advisor at ROK Financial know. You may no-longer be considered a startup to some lenders, and get even better terms with flexible repayment options.

How To Apply For a Startup Business Loan?

To get started, apply at the top of this page, or visit our simple 15-second online application. After your application is submitted, you will be paired with a dedicated Business Financing Advisor to discuss your cash-flow challenges and financing requirements. You can start getting financing options presented to you within hours, with flexible terms and high offers.

If you’ve been in business for less than 6 months, you are considered a startup. Banking institutions have even stricter requirements in terms of your time in business. That’s why applying with an alternative financing company, like ROK Financial, may be your best option to get the funding you need, as fast as possible.

Does The SBA Offer Startup Business Loans?

Yes, the Small Business Administration has financing options for business startups. The SBA offers various startup loan options, such as a Micro Loan, 7(a) or 504/CDC Loans, or you may qualify for one of their investment programs. However, you may find challenges to get approved and the time to get funding may not be sufficient.

To go through a fast and simple process for business financing, complete our 15-second online application. You can then speak with one of our Business Financing Advisors to determine if an SBA Loan will be the best option for you, or if there are other financing options available.

Simple 15-Second
Business Loan Application

After completing this simple application, we'll pair your with a dedicated Business Financing Advisor to choose the best financing options for your business!