How to Fund Your Business Before Making a Profit
Every week, aspiring business owners ask us: “How do I fund my business before I make my first dollar?”
The good news? You have options—even if your business is brand new. At Rate Tracker, we specialize in helping startups secure the capital they need to launch and grow. Whether you’re opening a franchise, starting an online brand, or building a service-based business, the right funding strategy can set you up for success.
Here are three powerful ways to secure funding before revenue starts rolling in:
1. SBA Start-Up Financing (Lowest-Cost Option)
If you have strong personal credit and W-2 income, an SBA-backed loan can offer low-interest, long-term, and structured support. Here’s what you need to qualify:
700+ personal credit score.
$100K+ W-2 income.
Need $350K+ in funding? You may qualify!
This is one of the most powerful funding options available, yet many entrepreneurs overlook it. Could you be missing out?
2. Personal Loans (Quick Cash, No Business History Needed)
Not ready for an SBA loan? No worries.
Many founders start with a personal loan and refinance it into a business loan after 12 months. Here’s what it takes:
700+ personal credit.
Solid W-2 income.
Borrow up to 65% of your W-2 income.
This is a great option if you’re still working while preparing to launch—or if you have strong personal finances to leverage.
3. Business Credit Cards (Fast, Flexible Funding)
Most entrepreneurs overlook this option, but they shouldn’t. Business credit cards can:
Cover startup costs.
Build business credit fast.
Keep your cash flow strong.
We work with specialized lenders who can stack multiple lines of credit, giving you the capital you need when you need it.
Your Business Idea Has Potential - Don't Let Funding Hold You Back
Whether you’re in the early planning stages or ready to launch, the right funding strategy can make all the difference.
At Rate Tracker, we specialize in helping entrepreneurs secure the capital they need to get started and grow. Let’s find the best option for you.
