How To Get Funding To Start A Small Business
Working out how to get funding to start a small business runs into the same wall every founder hits: lenders want a track record you're only just creating. The realistic path isn't to fake history, it's to use products that judge you on personal credit, early revenue, or the asset you're financing. Quordx Capital is honest about what's achievable at the starting line and matches your profile to lenders in our 50+ network who genuinely fund new businesses. Free to apply, decisions in 24-48 hours.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Startup Funding Comes Together
When there's little business history, lenders look elsewhere: your personal credit score, any revenue already on the books, collateral, and a credible plan. A strong personal score, ideally 680+, does a lot of heavy lifting at this stage, and even a few months of deposits can satisfy some lenders.
Asset-based financing sidesteps the history gap because the equipment or asset secures the loan. SBA microloans, run through nonprofit intermediaries and capped around $50K, are also designed for businesses just getting off the ground.
Which Funding Options Fit a New Business?
Equipment Financing: The asset is collateral, so time in business matters less and rates stay competitive at ~7-20%. Best for startups buying gear, machinery, or vehicles.
SBA Microloan: Modest, low-cost capital up to ~$50K via nonprofits, often with mentoring. Best for small early funding needs.
Business Credit Cards: Accessible early and builds business credit. Best for covering launch costs while revenue grows toward larger financing.
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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