Getting Financing for a Pre-Revenue Business vs. Post-Revenue

Author

Ryan Chen
February 10, 2025

Hi there,

Welcome to Loancater’s weekly newsletter. This is approximately a 4-minute read.

In today's newsletter, we’re going to go over a track record for real estate debt financing


We are going to go over…

  1. The different lending products for startup vs post revenue business?

  2. What criteras do the underwriters use for their loan?

Schedule a FREE strategy session with us here (link) or apply here (link) for a business loan.

Actionable Tips

Getting financing for different phases of a business can be complex when you don’t know what product fits your paramterse.


This cheat sheet will make it easy for you to pinpoint the right product. (link)

Best Link

👁 Credit Report Course Here

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💰 Loancater’s Application

Get the best business loan in the market here (link)

✔ Clients Who Worked With Us In The Past

See previous business owner who were happy to work with Loancater (link)

⭐ Different Type Of Loans

Type of funding product available in the market (link)

The different lending products for startup vs post revenue business

As a startup the available financing to your is limited. If you one asset like comemrial real estate or equipment then you can leverage that and get a asset back loan. If you have good credit you can get 0% interest credit cards up to 250k. Once you get past that initial phase and hit the revenue stage (100k+ per year) then you can gain access to lines of credit, cash advances, and SBAs.

What Criterias Do UW Use To Underwrite Their Loan?

Case by case across the products. This cheat sheet will give you a more granular detail (link). However, most underwriter are lending base of revenue, profit, and credit. If there is an asset as well they use a certain LTV to secure the loan against the asset to determine the maximum size.

How I Can Help You

If you like this newsletter and want to work with me, there are a few ways we can do so:

  1. You can apply for a business loan here (link)

  2. You can apply for credit repair by emailing [email protected] “I want credit repair”

  3. You can apply for a free 30 minute strategy session for credit card processing & ACH  here (link)

Or,  you can reply to this email.

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