Startup funding

Startup business credit up to $250,000 at 0% APR for 12–18 months

Leap Funding’s startup business credit program (SLOC) helps new and growing businesses access up to $250,000 in business credit with 0% introductory APR for the first 12 to 18 months. No minimum time in business is required, which makes it one of the few funding options available to startups.

Apply for a Startup Business Credit (SLOC)

Startup Business Credit (SLOC) terms and requirements

Credit amountUp to $250,000
Intro rate0% APR for 12–18 months
Minimum credit score680+ FICO
Time in businessNone required

Requirements are general guidelines. Final terms depend on underwriting.

Who a Startup Business Credit (SLOC) is best for

  • Startups and new businesses with no operating history
  • Owners with strong personal credit (680+ FICO)
  • Building or boosting business credit
  • Launch costs, marketing, equipment, and early working capital

What you need to apply

  • •Short application
  • •Personal credit review
  • •Basic business formation details

How it works with Leap Funding

  1. Step 1

    Apply

    Complete a short online application — it takes a few minutes.

  2. Step 2

    Get matched

    We review your file and match it to the funding programs you qualify for across our lending network.

  3. Step 3

    Get funded

    Compare your options with a dedicated advisor and choose the one that fits.

Startup Business Credit (SLOC) FAQ

Can a startup get business funding with no time in business?

Yes. Leap Funding’s SLOC program requires no minimum time in business. Approval is based mainly on the owner’s personal credit, typically 680+ FICO.

How much startup funding can I get?

Up to $250,000, depending on your credit profile.

Is it really 0% interest?

Yes, for an introductory period of 12 to 18 months. After that, standard rates apply to any remaining balance.

Does this help build business credit?

Yes. Using and repaying business credit responsibly helps establish your company’s credit profile.

Other funding options

See what you qualify for

One short application. Every program you qualify for. No obligation.