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Non-SBA Loans for
Startups & Franchises

The Jumpstart SMB Startup Loan℠ is built for entrepreneurs and business owners launching new ventures.

30+

Years of Aggregated Experience

$1B+

Loans Funded

4,000+

Businesses Funded

Your Path to Ownership

Non-SBA Financing Under $500K

Jumpstart SMB Startup Loan℠

A direct lending program for pre-revenue and early-stage startups, structured to close on the timeline a launch requires.

  • Pre-revenue eligible, with no requirement for trailing financials

  • Operator-led underwriting rather than collateral-led

  • Faster path to close than SBA or conventional alternatives

Home Equity Financing Up to $750,000

HELOC for Business

A HELOC for business purposes that lets eligible homeowners fund a franchise or startup launch, and the working capital that follows, with the equity they've already built — on its own, or alongside the Jumpstart SMB Startup Loan℠

  • Fund a franchise or startup entirely through eligible home equity

  • Underwritten around your credit, home equity and income, so a new venture isn't a barrier on its own

  • Add working capital to your launch budget, or combine with a Jumpstart loan or other approved capital to cover it in full

What Our Customers Say

4.9

Deal Parameters

A strong fit when:

  • The business is a startup with a clear path to revenue

  • The business is a franchise with a strong FDD/track record

  • The buyer demonstrates relevant experience or operating capacity

  • The deal falls within Jumpstart’s range

Not a fit when:

We communicate fit early so deals can move forward with clarity.

Opportunities outside Jumpstart's direct lending criteria may be supported through Jumpstart Marketplace℠.

Take the First Step

Start With the Right Lane

Explore the capital path that fits your venture and get direct feedback from Jumpstart’s lending team. 

Important Disclosure: Jumpstart Finance structures and manages acquisition financing in partnership with Little Horn State Bank, Member FDIC, which serves as lender of record for The Jumpstart Loan℠ and other private credit solutions. All financing is subject to underwriting and eligibility requirements. Jumpstart Finance is committed to fair lending. 

Underwriting the Operator

A startup has no operating history to underwrite — only a plan, an opportunity, and the person who intends to execute on both. Conventional lenders are built around historical cash flow, which leaves capable founders and franchisees without a real path to capital at the moment they need it most.

Jumpstart underwrites differently. We evaluate the operator's experience, the strength of the concept or franchise system, and the credibility of the launch plan. When those align, we can move.

The Jumpstart SMB Startup Loan℠ is ideal for:

  • First-unit franchises backed by established brand systems

  • Startup launches with a clear path to revenue

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