A three-part structure
Program materials describe roughly one-third business credit cards, one-third lines of credit and one-third business loans. Exact allocation is subject to written approval and product terms.
Startup World Loan Program
One program to help move your business forward.
A combined business credit card, line of credit and business loan program for entrepreneurs looking to start, grow or buy a business.
Important: The descriptions and figures on this page are based on program information provided by Start Up World and are illustrative, not a commitment to lend or a guarantee of approval, timing, rates or proceeds. Actual terms, eligibility, costs, availability and legal requirements vary. Review all written agreements with qualified legal and financial advisers before paying fees or accepting financing.
Program overview
What the program information describes.
Five-year revolving term
The program is described as revolving for five years, with paid-down amounts potentially available to borrow again. Confirm limits and redraw conditions in the final agreement.
Funding timeline
The stated target is 5–6 weeks, with funding in weekly tranches of $100,000–$200,000. Timing and amounts are not guaranteed and depend on underwriting and execution.
Use of funds
Program information says funds may support starting, growing or acquiring a business, and revenue-producing real estate projects.
Credit partner options
You may provide your own credit partner, or ask about the program’s partner option. The supplied materials state an ideal FICO score of 750, with scores as low as 650 considered in some circumstances.
Collateral and ownership
The program is described as unsecured and without equity dilution. Confirm any guarantees, security interests, fees and ownership implications in the final documents.
Other points in the supplied program description include considering applicants across industries, including pre-revenue startups and existing businesses with debt; possible financing up to 100% of annual revenue for profitable companies; and a 6–12-year-old shelf corporation described as part of each loan. These statements require specific verification, eligibility review and clear contractual details before relying on them.
Illustrative package breakdowns
Compare the stated amounts and costs.
The figures below reproduce the provided examples. Gross amount raised, upfront commitment, fees paid from proceeds and estimated net proceeds are shown separately so they’re easier to compare.
If you provide the credit partner
The supplied materials describe an ideal credit partner FICO score of 750; scores as low as 650 may be considered in certain circumstances.
| Package | Gross amount | Upfront commitment | Underwriting + shelf fees | Stated net proceeds |
|---|---|---|---|---|
| Loan 1 | $500,000 | $25,000 | $75,000 | $400,000 |
| Loan 2 | $600,000 | $30,000 | $90,000 | $480,000 |
| Loan 3 | $700,000 | $45,000 | $105,000 | $550,000 |
| Loan 4 | $1,000,000 | $75,000 | $150,000 | $775,000 |
The supplied fee description states underwriting and shelf corporation fees are 15% of capital raised and paid from funds raised. Confirm what each fee covers and the timing and refundability of any upfront commitment in formal documents.
If the program provides the credit partner
The supplied materials state a credit partner receives 5% of capital raised. The table uses the listed net proceeds for Loan 2CP ($450,000) and Loan 3CP ($515,000); an inconsistent leverage multiple from the source has been omitted.
| Package | Gross amount | Upfront commitment | Underwriting + shelf fees | Credit partner fee | Total stated costs | Stated net proceeds |
|---|---|---|---|---|---|---|
| Loan 1CP | $500,000 | $25,000 | $75,000 | $25,000 | $125,000 | $375,000 |
| Loan 2CP | $600,000 | $30,000 | $90,000 | $30,000 | $150,000 | $450,000 |
| Loan 3CP | $700,000 | $45,000 | $105,000 | $35,000 | $185,000 | $515,000 |
| Loan 4CP | $1,000,000 | $75,000 | $150,000 | $75,000 | $300,000 | $700,000 |
Amounts are examples supplied by Start Up World, not independently verified offers. Ask for an itemized fee schedule and written confirmation of net proceeds, partner compensation and disbursement conditions before making a payment.
Getting started
Talk through your plans and the written terms.
The provided description says a separate small-loan program may help finance the initial commitment. That is a separate financing arrangement, not a waiver of the commitment; ask for its own terms, costs and repayment details in writing.
More than one loan?
The program information describes applying for another loan after the first, or arranging multiple loans simultaneously. Each would need separate eligibility, underwriting and written terms.
Ask about the program