How much of a business loan can I get?
How much business loan you can get depends mainly on four things: your revenue, your cash flow after expenses, your credit profile, and the product you choose. Realistic amounts range from $5K working capital loans to SBA loans of $5 million or more. Lenders size loans to what your bank statements prove you can repay, not to what you ask for. Guessing high gets you declined; guessing low leaves money on the table. Quordx Capital's matching process reads your actual numbers and shows you what its 50+ lenders would realistically approve: before you formally apply anywhere.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
What determines your maximum loan amount
Lenders start with revenue and cash flow: they review 3–6 months of bank statements to see deposits, balances, and existing debt payments, then size an offer your business can service. Credit sets the menu: scores of 650+ open bank and SBA products; revenue-based lenders work with scores down to roughly 500–550. Time in business matters too: alternative lenders typically want 3–6 months and about $10K+ in monthly revenue, while banks and SBA lenders prefer 2+ years. Collateral expands the ceiling: equipment financing can reach $5M+ because the asset secures it, and commercial real estate deals run $100K–$10M+. The same business might qualify for $40K from one lender and $150K from another, which is exactly why one application to many lenders beats one application to one bank.
Typical amounts by product
Working capital loans:: $5K–$500K, short-term. Best for modest, fast needs.
Business term loans:: $10K–$500K+ over 1–5 years. Best for defined investments with fixed payments.
SBA 7(a):: Up to $5M (and a 2026 rule change allows combining 7(a) + 504 up to $10M cumulative). Best for large, low-cost capital if you can wait.
Equipment financing:: $5K–$5M+, secured by the equipment itself. Best for big purchases without big cash outlays.
How Quordx Capital Works
You answer one application, about 5 minutes, and upload bank statements, your latest business tax return, ID, and entity documents once. The AI then ranks 3–7 best-fit lenders from the 50+ lender network by approval probability, each with a realistic amount attached. Decisions usually return in 24–48 hours, with funding in 3–7 business days.
What to Expect
Expect a number grounded in your actual deposits, not a teaser figure designed to get you in the door. If your revenue supports less than you hoped, you'll hear that straight: along with what would raise the ceiling next quarter. Finding out costs nothing, there are never fees to you, and checking creates no obligation.
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Apply for Funding
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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.
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.
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