Can I get a business loan with an LLC?
Yes, an LLC can get a business loan, and in fact the LLC is the most common borrower structure lenders see. Every product Quordx Capital brokers, from $10K working capital loans to $5M SBA deals, is available to LLCs. What surprises many owners is what the LLC doesn't do: it won't shield you from a personal guarantee on most small business loans, and it doesn't borrow on its own merits until it builds revenue and credit history. Knowing how lenders actually evaluate an LLC saves you from both false fears and false hopes, and Quordx Capital matches your LLC to lenders that fit its real profile.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Lenders Evaluate an LLC
Lenders underwrite the business *and* the owner. For the LLC itself, they verify the entity documents, check time in business (3-6 months minimum for alternative lenders; 2+ years for banks), and read 3-6 months of bank statements for revenue, roughly $10K+ monthly opens most alternative options.
For you, the member-owner, they pull personal credit on most deals and typically require a personal guarantee, your personal promise to repay if the LLC can't. That's standard across small business lending, including SBA loans for owners of 20%+ of the company. A single-member LLC taxed as a sole proprietorship qualifies just as well as a multi-member one; lenders care about cash flow and credit, not your tax election.
One genuine LLC advantage: a clean separation of business banking makes underwriting faster, because lenders can read your revenue without untangling personal spending.
Funding Options for LLCs
Business term loans: $10K-$500K+ over 1-5 years with fixed payments. Best for established LLCs making a defined investment.
Business lines of credit: $10K-$250K+ revolving; pay interest only on draws. Best for managing uneven cash flow.
SBA loans: up to $5M for qualifying LLCs, currently around 10.5%-14% variable on 7(a). Best for the lowest cost with 2+ years and 650+ credit.
Equipment financing: $5K-$5M+ in the LLC's name with the equipment as collateral. Best for vehicles and machinery.
How Quordx Capital Works
Your LLC applies once, about 5 minutes, uploading bank statements, the latest tax return, entity documents, ID, and a voided business check. Our AI compares the profile against 50+ vetted lenders and returns 3-7 matches ranked by approval probability. Most lenders decide within 24-48 hours, and funding typically arrives in 3-7 business days.
What to Expect
Expect a personal credit check and, on most products, a personal guarantee: we'll show you exactly which offers require what before you choose. If your LLC is brand-new with no revenue, we'll be honest that options narrow to credit cards, equipment financing, and SBA startup paths. Everything is free to you, with no obligation attached to seeing your matches.
Apply for Funding
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Important Disclosures
Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.
The initial inquiry does not impact your personal credit score. Some lenders may perform a hard credit pull during underwriting; Quordx only authorizes such checks with your specific consent for the lender presenting an offer. Applicants are protected under the Equal Credit Opportunity Act (ECOA) from discrimination based on race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public-assistance program.
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