Startup lending

Show the bank you can repay — before you ask.

Build your budget, stress-test your cash flow and assemble the complete loan package the bank needs: a capable team, a solid plan, a realistic path to profitability and real commitment.

Start your application Try the budget simulator
The essential document package
  • Business plan
  • Cash flow projections
  • Profit & loss forecast
  • Personal tax returns
  • Personal financial statement
  • Resume / CV (owner & key team)
  • Personal credit report
  • Personal identification

How the bank assesses a startup loan — the 6 C's of Credit

Capacity to repay

The bank's primary concern. Prove with cash flow and P&L forecasts that the business generates enough cash to cover loan payments.

Character

With no business history, the bank lends to you. A clean personal credit history is vital.

Capability

Resumes of the owner and key team members showing relevant industry and management experience.

Commitment

Owner's equity — banks typically expect 20–50% of the total project cost from your own funds, not borrowed money.

Collateral

Property, equipment or a personal guarantee that gives the bank a fallback if the business fails.

Conditions

A complete business plan and document package: market analysis, strategy and how the loan will be used.

1

Simulate

Model revenue, costs and loan payments. See DSCR, break-even and cash runway instantly.

2

Apply

Complete the guided application: plan, team, equity, collateral and documents.

3

Get a decision

A loan officer reviews your 6 C's scorecard and gets back to you.