Best overall for start-up finance, Finance Factory can get you financing with no business history or established income as long as you have just one of the three Cs: credit, cash flow, or collateral.

If your startup doesn’t have cash or collateral yet, Finance Factory can still fund you if you have a personal credit score in the 600’s. Add to that a streamlined application process with a personal contact, range report. Free financing and fast financing, and Finance Factory ranks among our best business start-up loans.

Founded in 2006, Finance Factory provides competitive business lending services through its online marketplace model. The company connects small businesses with lenders in all 50 states who offer loans at all stages of growth.

Seed funding ranges:

• Loan amounts: $ 5,000 to $ 350,000
• Loan term: zero to seven years
• Interest rate: 0% (up to 21 months) to 15%
• Fees: 4.50% to 9.90%
• Processing time: seven to 10 days on average

Finance Factory’s start-up financing will take the form of business credit cards, personal loans, and lines of credit. In most cases, there will be no prepayment penalties, but since the loans are tailored to your particular situation, this is a question you should check when you receive approval.

For start-up finance products, the business requires a credit score above 600, with an ideal score of at least 680. There is no annual income and time in the business needs. However, the company will look for a minimum account balance of $ 1,000 to $ 5,000 to cover your payments.

If you or your business has any reported collections, judgments, liens, late payments, or public records, you will likely be disqualified.

The company has 4.6 out of five stars from LendingTree with excellent ratings specifically for their interest rates, fees, closing costs, responsiveness, and customer service.

Working with Finance Factory allows clients to explore multiple financing options in one place as their business grows, providing benefits to businesses with no track record.