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Banks do not fund ideas; they fund cash flow and collateral. The small business owner who walks in with two years of clean statements, a realistic projection and a clear use of funds gets offers; the one with a dream gets brochures. This guide maps the funding ladder — from your own revenue and credit cards (cheapest) up through term loans, lines of credit and government-guaranteed programs — and shows which rung fits which stage of business.
loan-type match report
Rarely from banks — startups usually need personal guarantees, collateral, or alternative paths like SBA microloans or founder-friendly investors.
Cash flow history, time in business (often 2+ years), personal credit, collateral, and a clear use of funds with repayment source.
SBA loans offer lower rates and longer terms because the government guarantees part — but the paperwork and timeline are heavier.
Every tool answers instantly from our own knowledge and calculators. Want the deeper, personalised version? Each has a $2.95 full report.