Are No-Money-Down Business Loans Real and How Do They Work?

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Editor’s note: Lantern by SoFi seeks to provide content that is objective, independent and accurate. Writers are separate from our business operation and do not receive direct compensation from advertisers or partners. Read more about our Editorial Guidelines and How We Make Money.
What Are No-Money-Down Small Business Loans?
Why Cash Flow Matters to Lenders
Why Might You Need a No-Money-Down Business Loan?
How Does a Loan With No Money Down Work?
Pros and Cons of No-Money-Down Loans
Pros
Cons
No-Money-Down Loans vs Conventional Loans
Collateral vs Down Payments
6 Types of No-Money-Down Loans
1. Business Lines of Credit
2. Invoice Financing
3. Equipment Loans
4. Term Loans
5. SBA Microloans
6. Crowdfunding
Applying for No-Money-Down Business Loans
Check Your Financials
Check Lender Requirements
Can You Afford the Loan?
Can You Afford the Risk?
Business Acquisition Loans With No Money Down
Explore Small Business Loans Today With Lantern
Frequently Asked Questions
Photo credit: iStock/JuiceBros
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About the Author
Su Guillory is a freelance business writer and expat coach. She’s written several business books and has been published on sites including Forbes, AllBusiness, and SoFi. She writes about business and personal credit, financial strategies, loans, and credit cards.
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