How to get a business loan with no money?
You can get a business loan with no money in the bank, if your business has revenue. Most working capital loans, lines of credit, and revenue-based products require no down payment and no cash reserves; lenders underwrite your monthly deposits, not your savings. What you can't easily do is borrow with no money *and* no revenue: that combination closes most doors, and anyone promising otherwise is selling something. The cost of waiting is real: thin cash reserves are exactly when a payroll gap or a slow month does the most damage. Quordx Capital matches revenue-positive businesses to lenders that don't require cash down.
This guide is part of our full library on Business Loans. Start there for the complete lineup, then come back for the deep dive on your situation.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
What "No Money" Actually Means to a Lender
Lenders separate two questions: do you have cash for a down payment, and does your business generate cash? Plenty of products need no down payment at all: term loans, working capital loans, lines of credit, and most A/R financing. What lenders do require is evidence of cash flow: typically 3-6 months of bank statements showing roughly $10K+ in monthly revenue for alternative lenders.
Where money down does come in: SBA loans for acquisitions or startups typically want 10% from the borrower, and some equipment lenders ask for a modest down payment from newer businesses. If you have no savings and no revenue, the honest answer is that traditional borrowing isn't available yet: your realistic moves are a business credit card, equipment financing with a small down payment once you can manage one, or building 3-6 months of revenue first.
No-Down-Payment Options for Revenue-Positive Businesses
Working capital loans: $5K-$500K, short-term, no down payment, underwritten on your deposits. Best for covering operational expenses fast.
Business lines of credit: $10K-$250K+ revolving credit with nothing down; interest only on what you draw. Best for a cushion against cash crunches.
A/R financing / invoice factoring: get 70-90% of invoice value advanced with zero cash out of pocket. Best for B2B companies sitting on unpaid invoices.
Equipment financing: the equipment is the collateral, so cash requirements stay minimal. Best when the purchase itself secures the deal.
How Quordx Capital Works
Tell us about your business once, the application takes around 5 minutes, and upload bank statements and your latest tax return. Our AI screens your profile against 50+ vetted lenders and identifies the 3-7 most likely to fund you, including lenders who require nothing down. Expect decisions in 24-48 hours and money in 3-7 business days, with some products funding in 1-3.
What to Expect
The big fear here is being laughed out of the room for having an empty account. You won't be: lenders in our network fund cash-poor, revenue-positive businesses every day. If your situation genuinely isn't fundable yet, we'll say so and tell you what changes that, instead of pushing you into expensive debt. Applying is free, confidential, and carries no obligation.
Apply for Funding
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
Read full bio
Related articles
More on this topic from the Quordx Capital library.
Keep exploring business loans
Important Disclosures
Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.
The initial inquiry does not impact your personal credit score. Some lenders may perform a hard credit pull during underwriting; Quordx only authorizes such checks with your specific consent for the lender presenting an offer. Applicants are protected under the Equal Credit Opportunity Act (ECOA) from discrimination based on race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public-assistance program.
This Site is intended for commercial, business-purpose financing for U.S. businesses only. Not available for consumer loans, residential mortgages, or owner-occupied real estate. Quordx may receive compensation from lenders when applications result in funded transactions. This does not change the rate, fee, or terms offered to you. See our Advertiser Disclosure for details.
By submitting an application or contact information, you consent to be contacted by Quordx and its lending partners via phone, text, and email, including by automated means, regarding your funding inquiry. Consent is not a condition of receiving funding. Message and data rates may apply. Reply STOP to opt out. See our Privacy Policy and Terms of Service.