How to Get a $150K Business Loan Without Tax Returns (2025 Guide for Founders)
Introduction: What If You Didn’t Need to Hand Over Your Entire Financial Life to Get Funded?
It’s 2025, and business founders are still being asked to submit two years of tax returns just to get a $20K business loan. That’s outdated. What if you could secure $150,000 in business funding without tax returns — and do it fast?
Whether you’re a startup, side-hustler turned full-time founder, or a fast-scaling entrepreneur with messy books, there are no-doc and low-doc options available that are real, reputable, and ready to fund.
In this guide, we break down exactly how to get a $150K business loan without tax returns, who qualifies, the fastest lenders to apply with, and how to increase your chances of approval.
Why You Might Not Want to Show Tax Returns (And That’s OK)
Many business owners delay seeking funding simply because their tax returns don’t tell the full story. Here’s why:
- Startup income isn’t “seasoned” enough yet
- You reinvest all profits — so tax returns show “low income”
- You file aggressively to save on taxes
- You’re growing fast, but it’s not reflected in last year’s paperwork
Sound familiar? Then you’re the exact type of founder this post is for.
Can You Really Get a $150K Loan With No Tax Returns?
Yes — if you know where to look. Many traditional banks will stop you right at “no docs,” but alternative lenders, fintech companies, and some direct loan marketplaces offer access to large amounts of business funding without tax returns.
These programs typically fall into these categories:
- Revenue-Based Financing (based on bank deposits or credit card sales)
- Business Cash Advances
- Line of Credit or Working Capital Loans
- 0% Interest Intro Credit Offers
- Crowdfunded or Investor-Backed Capital
Let’s get into the top options that make it possible.
1. National Funding – Fast Working Capital Loans ($10K–$500K)
Apply here for National Funding »
Why we love it: National Funding has some of the most flexible underwriting policies in the industry. Founders with strong revenue and no major tax liens or bankruptcies can get funded within 24 hours, often without submitting tax returns.
- Amount: $10K to $500K
- Time to Fund: 24–72 hours
- Requirements: 6+ months in business, $250K+ annual revenue
- Credit Pull: Soft pull (at prequal)
- Docs Needed: Business bank statements
Pro Tip: Because National Funding uses automated bank verification tools, you can skip tax documents entirely if your daily deposits are strong.
Bonus: We recommend starting here first. Their 3% commission structure makes this a top-converting affiliate offer, and we feature them in almost every post for a reason.
2. FundWise Capital – Up to $150K in Credit Lines (No Docs, No Collateral)
If you’ve got a 680+ credit score, FundWise may get you up to $150,000 in unsecured funding without tax returns. This is technically personal credit-based business capital, and is one of the few options that doesn’t require documentation at all — not even business bank statements in some cases.
- Amount: Up to $150,000
- Time to Fund: 7–10 days
- Requirements: 680+ FICO, strong credit utilization
- Credit Pull: Yes (hard pull during full app)
- Docs Needed: None for initial approval
This is an excellent option for founders with good personal credit but little to show on paper for business history.
3. Fund & Grow – Business Credit Strategy with 0% APR
Start the process with Fund & Grow »
Fund & Grow specializes in helping entrepreneurs get access to $50K–$250K in business credit — even with no tax returns or business income. Their team helps you build a stack of 0% interest credit cards and non-reporting business credit lines.
- Amount: $50K–$250K (in total lines)
- Time to Fund: 14–30 days
- Requirements: Good personal credit (660+)
- Docs Needed: None
- Best For: Founders comfortable using credit for business ops
4. Amex Business Credit Cards – Fast, Flexible Spending Power
While technically a credit product, American Express Business Cards offer fast approvals and growing credit limits based on your usage and payment history, not tax documents.
Cards like the Blue Business® Plus or Business Platinum Card® let you earn points and access funding without submitting income verification upfront.
5. Revenue-Based Financing via Payability, Parafin, or Stripe Capital
These tech-enabled platforms allow founders to borrow against e-commerce or invoice revenue:
- Stripe Capital: If you use Stripe to accept payments, you may already be eligible for preapproved advances.
- Parafin: Partners with Square, QuickBooks, and others to offer small business advances with no credit check.
- Payability: Specializes in fast payouts and advances for Amazon/eComm sellers.
These offers appear in-app if you’re eligible — so check your dashboard regularly.
6. Crowdfunding Options – StartEngine & Wefunder
StartEngine and Wefunder help you raise capital directly from investors, with no financials required upfront.
For the right brand or business model, equity crowdfunding can bring in six figures without traditional underwriting.
This strategy works well for:
- Mission-based startups
- Consumer-facing products
- Tech with traction
7. Xero + Bench – Show Clean Books Without Tax Docs
Try Xero here »
Explore Bench bookkeeping »
These tools won’t give you the loan directly — but they will help you create clean, up-to-date business financials (P&L, balance sheet, cash flow) that lenders can use in place of tax returns.
This is your “lite-doc” workaround.
What to Avoid: Red Flags When Seeking No-Doc Loans
Some lenders advertise “no-doc” but sneak in the fine print. Watch out for:
- High origination or upfront fees
- Daily repayment terms that kill cash flow
- Unclear APRs or vague cost structures
- Hard credit pulls upfront without transparency
We’ve vetted the options above. Stick with them.
Frequently Asked Questions (FAQ)
Can I get a business loan without income verification?
Yes. Some lenders (like FundWise and National Funding) base approvals on bank statements or credit instead of income verification or tax returns.
What’s the fastest way to get a $150K business loan?
National Funding is typically the fastest option. Funding can be issued in as little as 24–48 hours if you qualify.
Do I need to have an LLC to get a loan?
Not always — but having an LLC improves your credibility. Set up your LLC with Northwest Registered Agent here »
Final Thoughts: It’s Time to Fund Without Friction
You don’t need to over-share or feel exposed just to fund your business. You just need to know the right doors to knock on.
Start with National Funding or FundWise, and use our affiliate links to get fast-tracked and tracked for perks. Don’t forget to build your credibility with smart tools like Xero or Bench, and always stay compliant as you scale.
Explore all the tools and capital partners on our Business Funding Tools page »
