10 Best LLC Loans for New LLC: No Tax Returns (Plus $150K Bonus Hack)

Starting and running a new LLC can be exciting, but it’s also a huge learning curve—especially when it comes to getting funding without a steady stream of income already lined up. 

If you’ve been stressing about finding the best way to access cash for your new business, you’re in the right place. Here, we’ll go through the 10 best LLC loans for new LLCs so you can start strong, even if you’re not pulling in revenue just yet.\

You’ll find that several lenders specialize in LLC funding for fresh startups and small businesses—no tax returns or income verification needed. 

Understanding How Banks Think About New LLCs

Before we jump into the specific banks, here's something you need to know: Even if your LLC is brand new with zero revenue, banks will consider your projected income when reviewing your application. This is completely legal and, frankly, it's how the game is played in the world of business credit secrets.

Now, let’s look at some top business credit options, funding hacks, and everything you need to know to get started.

Top Banks Offering No Income Proof Funding

1. Bank of America

• Up to $50,000 through their stated income program

• 0% APR for first nine billing cycles

• Funding hack: Deposit at least $500 in a business checking account to boost approval odds

2. Chase

• 0% interest for 12-24 months

• Reports to major business credit bureaus

• $750 bonus after spending $6,000 on Chase Ink Business Unlimited

• How to get business credit boost: Already have a personal Chase card? Your approval odds just got better!

3. US Bank

• 18 months of 0% interest

• Up to $23,000 for new LLCs

• Triple Cash Card benefits

• Strategy: Open a free silver business checking account and let it season for 30 days

4. PNC Bank

• $50K business credit potential

• Perfect for real estate investing and business expansion

• Flexible requirements for newer LLCs

5. Wells Fargo

• Small Business Advantage line up to $50,000

• Specifically designed for businesses under 2 years

• Simple application process through local branches

6. Truist Bank

• Up to $50,000 in small business funding

• Minimal documentation requirements

• Perfect for newer LLCs with limited history

7. Regions Bank

• Funding without tax returns through stated income program

• Business credit cards and lines of credit available

• Streamlined application process

8. American Express

• Soft pull policy after first approval

• Multiple card strategy potential

• Pre-qualification available online

9. Novo

• Flexible new LLC funding options

• Minimal documentation needed

• No credit impact for checking eligibility

10. GM Business Card

• Substantial credit limits

• No hard inquiry impact

• Perfect for preserving personal credit scores

BONUS: Marcus by Goldman Sachs

• 0% APR for first 12 months

• $750 bonus opportunity

• Pre-qualification with no credit impact

Pro Tips for Maximizing Your Business Startup Tips

1. Build Strong Banking Relationships

Don't just apply for business credit - build relationships with your banks. Open checking accounts, maintain healthy balances, and become a known entity. Banks love lending to customers they know.

2. Strategic LLC Naming

Here's a less-known entrepreneur tip: Avoid using high-risk terms in your LLC name. Stay away from words like "Finance" or "Consulting." Keep it broad and simple.

3. Use Reconsideration Lines

If you get denied, don't give up! Call the bank's reconsideration line. Sometimes, a human review can overturn a computer's decision.

Pro tip: If you have a 680+ credit score with no collections or bankruptcies in the last several years, you could qualify for an additional $150,000 in personal capital at 0% interest through No Cost Capital.

Secure The Funds You Need to Grow Your Business 

Finding the best LLC loans for new LLCs isn't impossible. These 0% interest loans aren't about lifestyle upgrades - you’ll be building and scaling your business. Used wisely, you could access up to $50,000 from each bank, potentially securing half a million in growth capital!

The best part? You don't need to figure this out alone. Start with getting your LLC properly set up through Free Entity, then use these bank strategies to build your empire. And when you're ready to scale, Hire My Call Porter can help you manage growth without getting overwhelmed.

Remember, this is how the wealthy build their empires - by making banks work for them.