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.
Part of our guide to Business Loans.
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.
See what you could qualify for
Four answers about your business. No credit pull.
How Quordx Capital Works
Tell us about your business once, the application takes around 10 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.
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No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Quordx Capital is a business funding broker, not a lender. Lenders make every credit decision and set the rate, fees and terms, and not every business qualifies. Quordx may be paid by a lender when a deal funds. Full disclosures