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What loans are available for businesses under 1 year old?

Businesses under 12 months old face limited traditional loan options. The most accessible: SBA Microloans ($50K limit, startup-friendly), equipment financing (equipment secures the loan), secured business credit cards (for establishing credit), CDFI and nonprofit lender programs, and business lines of credit secured by personal guarantees. Online lenders generally require 6 months in business minimum.

Capital Brief

Weekly lender rates.No noise.

Every Thursday: rate changes across SBA, MCA, and term loans, fresh lender reviews from our analyst desk, and funding opportunities surfaced before they close.

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