Our goal at Lending Valley is to provide all small business owners access to the best loans possible for their business. You can rest assured we will get you the best rates in the market!
You know that feeling. You just got your stamped Articles of Organization back from the state. You’ve got your shiny new EIN printed out, and for a brief moment, you feel like a titan of industry. You are officially a business owner.
Then, you walk into a bank branch to open your account and ask about capital to get things moving. The loan officer smiles politely, asks for two years of tax returns, six months of business bank statements, and a profit-and-loss sheet.
You stare at them. “I just started,” you say. “That’s why I need the money. To start.”
They shake their head. “We can’t lend to a business with no revenue.”
It feels like a door slamming in your face. It is the classic “chicken and egg” problem that kills dreams before they even have a chance to breathe. You need money to make money, but they tell you that you need to make money to get money.
If you are reading this feeling frustrated, rejected, or stuck take a deep breath. As a financial advisor who has guided hundreds of startups through this exact valley, I am here to tell you that the bank’s “no” is not the end of the road. Securing funding with a new LLC is absolutely possible in 2026. You just have to stop playing by the big bank’s rules and start using the tools actually built for Day 1 entrepreneurs.
This guide is your roadmap to bypassing the rejection and finding the fuel you need to launch.
To beat the system, you have to understand how it works. Traditional banks are risk-averse machines. In early 2026, industry data suggests that big banks are approving less than 14% of small business loan applications overall, and that approval rate drops to near 0% for pre-revenue startups.
Why? Because banks lend based on past performance. They look at your business history to predict your future ability to pay. When you have a new LLC, you have no history. To a bank, you are a ghost.
However, the financial landscape has evolved. The rise of Fintech and alternative lending has created a new category of funding that relies less on business history and more on personal creditworthiness and asset value. If you are looking for funding with a new LLC, your personal FICO score, your industry experience, or your down payment are your new best friends.
Your business idea is too good to stay on a piece of paper. Stop waiting for the ‘perfect’ time and start building your credit profile now. Check your eligibility instantly and see how much capital you can access to launch your dream.
Here is the breakdown of how to legally secure capital without faking documents or falling for predatory scams.
For most service-based businesses or consultants, this is the most effective route. It is unsecured, requires no collateral, and buys you the most valuable asset of all: time.
If you need money to buy physical “things” (trucks, yellow iron, medical devices, pizza ovens), this is your best bet.
If your personal score is a major hurdle and you are searching for no credit check business loans, equipment financing is often the best alternative because lenders focus on the value of the machinery rather than just your credit history
Sometimes, the simplest path is the personal one. This is often called “bootstrapping with leverage.”
These are non-profit organizations mandated to help underserved entrepreneurs who can’t get bank loans.
This allows you to bet on yourself using your own retirement funds without paying early withdrawal penalties.
To show you this isn’t theoretical, here are three examples of how entrepreneurs are navigating funding with a new LLC in 2026.
The Business: A boutique digital marketing agency in Williamsburg. The Problem: The founder had incredible skills but $0 in signed clients. She needed $20k for ad spend and software licenses. She looked for a Business Loan in Brooklyn, but Chase turned her down instantly due to “insufficient business age.” The Solution: She utilized “Credit Card Stacking.” She applied for three separate business cards (Amex, Chase, and a generic Visa) using her 720 FICO score. The Result: She secured $35,000 in total credit lines at 0% interest for 15 months. She used this “float” to acquire her first 10 clients, paying off the cards before the interest kicked in.
The Business: A “hotshot” trucking company in Dallas. The Problem: The driver wanted to go independent but didn’t have the $60k needed for a heavy-duty rig. He searched for Business funding in Texas, but lenders wanted 2 years of tax returns he didn’t have. The Solution: He found a dedicated equipment finance lender. He scraped together $5,000 for a down payment. The Result: The lender financed the remaining $55,000 because the truck served as collateral. The truck started generating revenue immediately, which covered the monthly note.
The Business: A house-flipping LLC in Miami. The Problem: A new entity with no tax returns needed $200k to buy a distressed property. The Solution: The founder sought a Business loan in Florida via a private “Hard Money” lender. The Result: The lender ignored the LLC’s age entirely and focused solely on the property value (Loan-to-Value ratio). They funded 70% of the deal. The interest rate was high (12%), but the speed allowed the flipper to close, renovate, and sell for a $50k profit in 6 months.
For those entering high-risk industries like construction or flipping, waiting on a claim payout can kill your momentum, making it essential to understand options for surviving the insurance gap bridge loans.
| Funding Source | Startup Friendly? | Cost/Interest | Speed | “No Revenue” OK? |
| Traditional Banks (Chase, WF) | No | Low | Slow (Months) | No |
| SBA 7(a) Loans | Sometimes | Moderate | Very Slow | Rarely |
| Business Credit Cards | Yes | 0% Intro (High after) | Fast (Days) | Yes |
| Equipment Financing | Yes | Moderate | Fast (Weeks) | Yes |
| Online Term Lenders | Mixed | High | Fast | Sometimes |
| Lending Valley | Yes (via Partners) | Varies | Very Fast | Yes |
See My Startup Funding Options, Get matched with lenders who fund new LLCs no revenue required.
There is a lot of bad advice on the internet about funding with a new LLC. Let’s clear it up.
Myth: “I can buy a ‘aged shelf corporation’ (an old LLC) to get instant funding.” Fact: Lenders aren’t dense. They check when the ownership changed. A 10-year-old LLC that you bought yesterday with no bank activity is treated like a brand new startup. Do not waste thousands of dollars on this strategy.
Myth: “I can get a grant to start my trucking/retail business.” Fact: Grants are incredibly rare for for-profit startups unless you are in high-tech R&D or specific non-profit sectors. Relying on “free money” is a bad strategy for Business funding in Newyork or anywhere else.
Common Mistake: The MCA Trap. If you search for “MCA in Newyork” or “Merchant Cash Advance near me,” you will find lenders who promise fast cash. Stop. An MCA is based on credit card sales. If you have no sales, you cannot get a legitimate MCA. Anyone offering you one with no revenue is likely a scammer asking for upfront fees (“insurance fees” or “processing fees”). Never pay upfront fees for a loan.
If you are thinking about skipping debt entirely to sell a piece of your company instead, you need to understand the Angel investor vs. Venture Capital difference, because pitching a big VC with zero revenue is usually a waste of time.
Most lenders will hang up the phone the second you say “start-up.” Lending Valley is different. While our core products often serve established businesses, we act as a financial bridge for new entrepreneurs.
1. The Advisory Approach: We don’t just sell loans. If you are seeking funding with a new LLC and have no revenue, we won’t lie to you and try to sell you a product you can’t get. We will guide you toward credit-building products or equipment financing that you actually qualify for.
2. Partner Network: We have vetted relationships with lenders who specialize in Small Business funding in Ohio, Texas, Florida, and New York who are willing to look at projections and personal credit rather than just past tax returns.
3. The Growth Path: We help you get your first $10k-$50k in funding to start. Then, once you have 3 months of bank statements, we graduate you to better, higher-limit products to scale.
Our goal is to help you secure that initial capital now so you can generate the sales history needed to graduate to flexible Revenue-Based Financing in as little as three months
A: Technically, yes, but almost all startup loans will require a Personal Guarantee (SSN) as well. The EIN builds business credit, but the SSN secures the money when you have no revenue.
A: Most non-bank lenders look for at least $10,000 to $15,000 in gross monthly revenue for at least 3 months to consider you for revenue-based financing.
A: Yes. “Time in Business” is a major factor. The magic numbers are usually 6 months (for alternative lending) and 2 years (for bank loans).
A: We have to be honest: It will be very difficult. Your best option is likely asking friends and family or looking for a co-signer with good credit. Predatory lenders are the only ones who will say “yes” to bad credit + no revenue.
A: Yes, but check the lender’s terms. Some strictly forbid “business use.” It is safer to take the cash personally and make an “equity contribution” to your LLC.
A: Not necessarily, but local resources differ. Finding Business funding in Newyork might offer more fintech options, while Business funding in Texas might have more community banks familiar with industrial startups.
A: Business credit cards. If you have the personal credit score, you can be approved instantly and have the card in hand in 5-7 business days.
Look, I know how discouraging it is to have the vision but not the funds. I know how it feels to have a bank look at your LLC like it’s a risk rather than an opportunity.
But the “Chicken and Egg” problem is only a problem if you try to play by the dinosaur bank’s rules. If you change the game leveraging your personal credit, your assets, or your network you can crack the shell. You have the LLC. You have the drive. Now you have the roadmap for funding with a new LLC.
Don’t let a “no” from a traditional bank stop your launch. Your business deserves to exist. Let’s find the capital to make it happen.
