Gov Small Business Funding
Type "gov small business funding" and you're almost always looking for SBA money, so here's the key distinction: the government backs loans, it doesn't make them. SBA-guaranteed loans are issued by private lenders, with the federal guarantee lowering their risk so you get longer terms and rates around 9-11.5% APR. The catch is time and paperwork. Quordx Capital matches you to SBA-experienced lenders in our 50+ network and, when the timeline won't wait, to faster conventional options. We're straight with you about which fits. Free to apply, decisions in 24-48 hours.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Does Gov-Backed Funding Work?
The SBA guarantees a portion of your loan, often 75-85%, so the lender is protected if things go wrong; that's why terms beat unsecured financing, stretching up to 10 years for working capital. You apply through an approved lender, not a government desk. Qualifying usually means 2+ years in business, solid revenue, and reasonable credit.
Actual government grants exist but are narrow and competitive, tied to specific programs, not the everyday funding most owners need. We focus on what you can realistically obtain rather than chasing money that won't materialize.
Which Funding Options Fit?
SBA 7(a) Loan: Up to $5M, long terms, strong rates near 9-11.5% APR. Best for established businesses that can wait through underwriting for the lowest cost.
Term Loan: $10K, $500K+, faster funding, rates ~8-30%+ by credit. Best for owners who need capital quickly without weeks of waiting.
Working Capital Loan: $5K, $500K for operations. Best for payroll, inventory, or short-term gaps where you don't want a long commitment.
Apply for Funding
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
Read full bio
Related articles
More on this topic from the Quordx Capital library.
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.
This Site is intended for commercial, business-purpose financing for U.S. businesses only. Not available for consumer loans, residential mortgages, or owner-occupied real estate. Quordx may receive compensation from lenders when applications result in funded transactions. This does not change the rate, fee, or terms offered to you. See our Advertiser Disclosure for details.
By submitting an application or contact information, you consent to be contacted by Quordx and its lending partners via phone, text, and email, including by automated means, regarding your funding inquiry. Consent is not a condition of receiving funding. Message and data rates may apply. Reply STOP to opt out. See our Privacy Policy and Terms of Service.