Apply Now
  • Start-Up Funding

Start-Up Funding That Helps You Get Off the Ground

Starting a business is a big step, but funding it doesn’t have to be overwhelming. Whether you’re launching your first venture or scaling a new idea, Small Biz Heroes connects you with funding solutions designed for early-stage businesses.

We help you cut through the noise, find the right financing option, and guide you through the process from start to funded.

Apply Now

Types of Start-Up Funding

SBA Microloans

Affordable government-backed loans designed for small and emerging businesses.

Business Credit

Ideal for businesses under 6 months old needing quick, flexible spending power.

Personal Loans for Business Use

Great for founders with strong personal credit but limited business history.

Small Business Grants

Non-repayable funding that may be available based on your business type or mission.

How It Works

Every start-up is different, which is why there’s no one-size-fits-all solution. Some businesses thrive with SBA microloans. Others may need creative solutions like credit stacking, personal loans, or grant funding.

We help you:

  • Understand your funding options
  • Match with the right lenders or programs
  • Prepare what you need for the best chance of approval
  • Move forward with confidence

Even if you’ve been turned down elsewhere, we may be able to help you find a better path forward.

Speak to a Funding Expert

FAQs

Start-up financing is funding designed to help new businesses launch and grow. It can cover costs like equipment, inventory, marketing, hiring, and working capital until the business becomes self-sustaining.
Yes. Many start-up financing options focus on your personal credit, business plan, income verification from other sources, and overall fundability rather than past revenue. Small Biz Heroes helps you access lenders and programs that are built to work with new entrepreneurs.
Start-up funding usually ranges from $5,000 to $250,000, depending on your credit, financials, and the type of financing you pursue. In some cases, the SBA can go as high as $5 million — but only if you have strong collateral and proven experience.
Options may include 0% APR credit lines, unsecured term loans, equipment financing, SBA loans, and even business credit building programs designed to prepare you for larger funding in the future.

Not always. Many start-up programs offer unsecured options that don’t require putting up assets as collateral, making them a good choice for new business owners.

A personal credit score of 680 or higher will open more options and help you qualify for the best terms.
Some start-up financing can be approved in as little as a few days, while others—such as SBA start-up loans—may take several weeks. The exact timeline depends on the program and the completeness of your application.
Yes. Most programs can be used for a wide variety of industries, although certain high-risk sectors may have additional requirements.
Not usually. In the past, you could walk into a bank with a business plan and get a yes or no on your loan application. Today, banks almost never lend to start-ups unless you already have significant assets with them, a long-standing relationship, and a flawless credit profile. For most new businesses, the answer from a bank is going to be no.