Disclosure: Walsh Investment Services Enterprises (WISE Corp) DBA NoMoreBankLoans is an independent B2B referral service. We partner with companies like Iconic Capital Network and Toro.com to match businesses with vetted loan providers. We do not provide financial products, mortgage services, or loans directly; we do not originate or fund loans. We charge no fees to businesses seeking loans. Although we have no control over the rates and fees charged by the lenders, we are provided compensation in the form of a referral fee, which sometimes can be tied into the loan provided to the company. All loans are subject to lender approval. Rates, fees, and terms are determined solely by the lender. · 4321 Garden Hwy, Sacramento, CA 95837 · (818) 850-6578 · Full Disclosures →
Startup funding, finally
The Startup Loan Banks Said Didn't Exist
0% interest for 12–18 months. No revenue history required. Real funding for brand-new businesses.
*Subject to lender approval and terms. Standard rates apply after any promotional period. Not a guarantee of funding.
Free · No obligation
Startup Business Funding Qualifier
Checking your eligibility is a soft credit pull — it will not affect your credit score.
The Problem
Why Banks Reject Most Startups — and What to Do Instead
Banks make lending decisions based on revenue history, time in business, and collateral — three things a new business doesn't have. It's not personal. It's structural.
The key is your personal credit score. The SLOC program looks at you — the owner. If your personal credit is strong (680+), you can access business capital that most startups never even know exists.
Through credit stacking, multiple lenders share the risk — enabling business owners to access far more than any single bank would approve. Clients who come in expecting $30K regularly walk away with $90K.
Full SLOC & Credit Stacking ExplanationWhat the SLOC Program Offers
0% Promotional Interest for 12–18 Months*
Subject to credit approval and lender terms. Standard rates apply after the promotional period.
Pre-Revenue Startups May Qualify*
No revenue history required. Eligibility based on personal credit score (680+).
Unsecured — No Collateral Required*
No home, equipment, or business assets needed. Subject to lender review.
Soft Pull Initial Inquiry
Credit score is not affected by checking your options.
Credit Stacking for More Capital
Multiple lines from different banks. Many clients receive 2–3x what they expected.
Reports to Business Credit Only
Personal credit report stays clean and untouched.
Real-World Example
What $100K at 0% Interest Looks Like for a Startup
Launch with $100,000 at 0% promotional interest — pay back in 15 months. That's approximately $6,667/month with no interest during the promo period. Use the capital for development, marketing, and hiring. By month 12 the business generates $30K/month in revenue. The funding paid for itself.
Example is illustrative only. Actual approved amounts, terms, and rates vary by applicant profile and lender. Not a guarantee of funding or results.
Special Programs
Resources for Every Entrepreneur
Additional funding pathways for women-owned, minority-owned, and credit-building businesses.
Women-Owned Business Loans
SBA Women-Owned Small Business resources, grants, and dedicated funding programs.
SBA ResourcesMinority Business Funding
Government-backed and private grant & loan programs for minority-owned businesses.
Explore OptionsBelow 680? Build Your Score
Credit repair can get you into SLOC-qualifying range within months.
CreditRepair.comEducation
Startup Business Loans: What Nobody Tells You
Most startup loan guides tell you to apply to the SBA. What they don't tell you is that the SBA requires 2+ years in business and documented revenue — exactly what a startup doesn't have. The SLOC was built to solve this problem by evaluating the owner's personal credit rather than business history.
Understanding the difference between interest rates and factor rates is also critical. A 0% SLOC is dramatically cheaper than a merchant cash advance with a 1.2–1.5 factor rate.
If your credit isn't at 680 yet, working capital programs exist for 550+. A strategic credit improvement plan could put you in SLOC range within 3–6 months. Compare all small business loan options →
Startup Funding Guides & Resources
FAQ
Startup Business Loan FAQs
Common questions about getting funded as a new or pre-revenue business.
Ready to check your options? Under 5 minutes, soft pull only — zero credit score impact. Start the Quick Qualifier →
Ready to Launch Your Startup?
Take the QQQ in under 5 minutes and discover your 0% interest funding options.
Free · No obligation
Check Startup Funding Eligibility
Subject to lender approval. Offers not guaranteed — terms, rates, and amounts vary by credit profile and other factors. Initial inquiry is a soft pull; final approval may require a hard credit inquiry.
