How we picked
Filtered to funders with minTibMonths ≤ 6. Ranked by total founder-friendliness: lower revenue bars, no FICO checks where possible, founder-supportive terms.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Shopify Capital | Best for e-commerce founders on Shopify | $200 – $2,000,000+ | Funds in 2 – 5 business days after acceptance | No FICO check — uses Shopify sales data | Apply → |
| Stripe Capital | Best for SaaS / platform founders | $500 – $1,000,000+ (varies by Stripe volume) | Funds same business day for eligible merchants | No FICO check — underwrites against Stripe data | Apply → |
| Kiva | Best for very early-stage ($1K-$15K, 0% interest) | $1,000 – $15,000 | 30 – 60 days crowdfunding process | No credit check | Apply → |
| Giggle Finance | Best for 3-month-old businesses needing $5K-$50K | $1,000 – $50,000 | Funding in 24 hours | 500+ | Apply → |
| Wayflyer | Best for early ecom brands ($25K+/mo) | $10,000 – $20,000,000 | Funding in 24 hours | No FICO check — underwrites against platform data | Apply → |
| Accion Opportunity Fund | Best for minority-owned and underbanked founders | $5,000 – $250,000 | Funding in 5 – 15 business days | 550+ (more flexible than banks) | Apply → |
| Upwise Capital | Best for 6-12 month-old businesses | $5,000 – $500,000 | 1 – 3 business days | 525+ | Apply → |
| AdvancePoint Capital | Best for 4-month-old businesses with 500+ credit | $5,000 – $1,000,000 | Funding in 24 – 72 hours | 500+ | Apply → |
Advertiser disclosure: Fundnode may earn referral fees from funders listed on this page when you apply through us. This does not affect editorial rankings — see our methodology.
Detailed reviews — our 8 picks
#1 · Best for e-commerce founders on Shopify
Shopify Capital
Max amount
$2,000,000+
Cost
Single fixed fee — typical 5 – 14% of advance
Speed
Funds in 2 – 5 business days after acceptance
Min credit
No FICO check — uses Shopify sales data
Why we picked it
Underwrites via Shopify sales data. No FICO check. Pre-qualified offers in Shopify admin. Best path for Shopify merchants 6+ months in.
The strength
Most merchant-friendly embedded financing in commerce. Single fee, no compounding factor. Repayment as percentage of daily Shopify sales (typically 9-17%) — scales with revenue. Pre-qualified offers in Shopify admin. No personal guarantee on standard offers.
The watch-out
Only for Shopify-hosted stores. Shopify selects which merchants get offers — can't apply. If you migrate off Shopify mid-loan, balance must be repaid in full. Higher-tier offers may include personal guarantee.
Qualifications
6 months
Shopify GMV drives offers — typically $10K+/mo
No FICO check — uses Shopify sales data
#2 · Best for SaaS / platform founders
Stripe Capital
Max amount
$1,000,000+ (varies by Stripe volume)
Cost
Single fixed fee disclosed at offer (typically 5 – 18%)
Speed
Funds same business day for eligible merchants
Min credit
No FICO check — underwrites against Stripe data
Why we picked it
Pre-qualified via Stripe payment data. Single-fee pricing. Best for founders building on Stripe (SaaS, marketplaces, platforms).
The strength
Best-in-class developer/founder experience. Embedded directly in Stripe Dashboard with pre-qualified offers. Single fee structure. Repayment auto-deducted as percentage of daily Stripe transaction volume. Strong fit for SaaS, marketplaces, platforms.
The watch-out
Only available to active Stripe merchants. Stripe chooses offer eligibility — can't request. Repayment percentage (typically 10-25% of daily Stripe sales) reduces operating cash. Changing payment processors mid-loan triggers payoff acceleration.
Qualifications
6 months
Stripe processing volume drives offers
No FICO check — underwrites against Stripe data
#3 · Best for very early-stage ($1K-$15K, 0% interest)
Kiva
Max amount
$15,000
Cost
0% interest (donation-funded)
Speed
30 – 60 days crowdfunding process
Min credit
No credit check
Why we picked it
0% interest. No revenue minimum. No TIB minimum. Crowdfunded microloans up to $15K. Best for pre-revenue or just-launched founders.
The strength
0% interest microloans funded by individual crowdfunders. No FICO check. Open to very early stage, underserved entrepreneurs, immigrants, low-credit applicants. Repayment with no fees over 6-36 months.
The watch-out
Loan caps at $15K — too small for most established merchants. Application requires endorsements from existing supporters. 30-60 day funding timeline.
Qualifications
0 months
Any
No credit check
#4 · Best for 3-month-old businesses needing $5K-$50K
Giggle Finance
Max amount
$50,000
Cost
Factor 1.20 – 1.45
Speed
Funding in 24 hours
Min credit
500+
Why we picked it
3+ month TIB acceptable. $5K+/mo revenue threshold. Fast 24-hour funding. NerdWallet-cited 2026 option for newer businesses.
The strength
NerdWallet-cited MCA option for smaller/newer businesses. Low TIB (3 months) and revenue ($5K+/mo) thresholds. Fast funding. Direct relationships.
The watch-out
Caps at $50K — too small for larger needs. Higher factor rates for very small advances. Limited product diversity.
Qualifications
3 months
$5,000
500+
#5 · Best for early ecom brands ($25K+/mo)
Wayflyer
Max amount
$20,000,000
Cost
Single fee 3 – 8% of advance
Speed
Funding in 24 hours
Min credit
No FICO check — underwrites against platform data
Why we picked it
6+ month TIB acceptable. Underwrites via platform data. Single fee. Scales with revenue via daily percentage repayment.
The strength
Built specifically for e-commerce — underwrites using your Shopify/Amazon/Stripe data, not bank statements alone. Single-fee structure (no compounding factor). Repayment as percentage of daily sales — scales with revenue. Backed by Tiger Global, J.P. Morgan among others.
The watch-out
Only works for e-commerce/DTC brands with verified platform sales. Single fee can equate to 30-60% APR for fast-repaying deals. Some merchants report aggressive renewal pressure.
Qualifications
6 months
$20,000
No FICO check — underwrites against platform data
#6 · Best for minority-owned and underbanked founders
Accion Opportunity Fund
Max amount
$250,000
Cost
APR 8.49% – 24.99%
Speed
Funding in 5 – 15 business days
Min credit
550+ (more flexible than banks)
Why we picked it
CDFI mission lender. APR 8.49-24.99% — much cheaper than MCA. Strong coaching support beyond just capital.
The strength
Community Development Financial Institution (CDFI) — government-supported mission lender for underserved markets. Lower credit thresholds (550+). Strong support resources beyond just lending — coaching, networking. Lower APRs than alternative MCA equivalents.
The watch-out
Long underwriting timeline (5-15 days). Application paperwork heavier than fintech competitors. Maximum loan size ($250K) caps mid-market use.
Qualifications
12 months
$4,000+
550+ (more flexible than banks)
#7 · Best for 6-12 month-old businesses
Upwise Capital
Max amount
$500,000
Cost
Factor 1.22 – 1.50
Speed
1 – 3 business days
Min credit
525+
Why we picked it
Will fund early-stage with low revenue thresholds ($8K+/mo). Direct lender. Multi-product options.
The strength
Will fund early-stage businesses (6+ months) with low revenue thresholds. Direct lender. Strong fit for startups beyond friends-and-family round.
The watch-out
Early-stage pricing reflects higher risk — factor at higher end of market. Limited product diversity.
Qualifications
6 months
$8,000
525+
#8 · Best for 4-month-old businesses with 500+ credit
AdvancePoint Capital
Max amount
$1,000,000
Cost
Factor 1.25 – 1.50
Speed
Funding in 24 – 72 hours
Min credit
500+
Why we picked it
4-month TIB minimum (one of the lowest). $10K+/mo revenue. Will fund industries other funders avoid.
The strength
Will fund industries other MCAs decline. Low credit floor (500+). Fast funding for clean files.
The watch-out
Higher factor rates reflecting risk tier. Broker-distributed — verify direct pricing.
Qualifications
4 months
$10,000
500+
Frequently asked questions
- Can I get a business loan as a startup?
- Yes, but options are limited compared to established businesses. Best paths: processor-embedded financing (Stripe, Shopify, PayPal — uses platform data not TIB), microloans (Kiva 0% interest), CDFI loans (Accion), or specialty funders (Giggle Finance, Upwise Capital). Banks and SBA typically require 24+ months.
- What's the minimum time in business for a loan?
- Kiva and Accion: any TIB. Shopify Capital / Stripe Capital: 6 months (uses platform data). Giggle Finance: 3 months. AdvancePoint: 4 months. Most online lenders: 6+ months. Banks and SBA: 24+ months.
- Do startups need a personal guarantee?
- Almost always for traditional and most alternative lenders. Exceptions: Shopify Capital (no PG on standard offers), Stripe Capital (no PG on standard offers), Kiva (no PG, no credit check), processor-embedded products generally.
- What's the easiest business funding to qualify for?
- If you have e-commerce / SaaS / Stripe revenue: processor-embedded options are easiest (auto-approved via platform data). For pre-revenue: Kiva ($1-15K, 0% interest). For traditional businesses 6+ months in: Greenbox Capital, Credibly, or Giggle Finance.
Related reading
Methodology. Rankings on Fundnode are editorial — we filter our database of 100 funders against the specific use case for this page, then rank by qualifying criteria (transparency, speed, contract terms, customer experience signals). We earn referral fees from some funders when merchants apply via Fundnode; ranking is independent of fee structure. Updated 2026-06-24.