How Small Businesses Raise Capital
How small businesses raise capital usually splits two ways: give up equity, or borrow. Most owners don't want to sell a piece of the company, so debt-based capital, loans, lines of credit, and revenue-based products, is how the majority fund growth without dilution. The trick is matching the right debt to your need and profile. Quordx Capital connects you to 3-7 best-fit lenders from a 50+ network through one free application, with decisions in 24-48 hours.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Does Raising Debt Capital Work?
You borrow against proven revenue rather than selling ownership. Lenders read your bank statements and credit, then offer terms. You keep full control of the business and repay on a schedule that, matched well, lines up with your cash flow.
The big advantage of debt over equity is permanence: once repaid, it's gone, and you've kept 100% of the upside. The trade-off is the monthly obligation, so borrow against revenue you can count on rather than revenue you hope for. Quordx Capital routes your file to lenders whose appetite fits your numbers, so the capital comes faster and cheaper. Because several matched lenders respond at once, you compare real terms instead of accepting whatever the first one offers.
Which Funding Options Fit?
Term Loan: Lump sum for growth, $10K-$500K+, roughly 8-30%. Best for defined expansion.
Line of Credit: Reusable capital, $10K-$250K+. Best for ongoing or seasonal needs, with interest only on what you draw.
Venture Debt: Debt financing for venture-backed companies. Best for funding growth without further equity dilution.
What to Expect
Expect decisions in 24-48 hours and funding in 3-7 business days. Stronger revenue and credit unlock larger amounts and lower costs. Comparing several offers lets you raise capital on the best terms without giving up a share of the company.
Quordx Capital is free to the borrower, no application or broker fees. The lender pays our commission at close.
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.
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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