How To Get Startup Funding For A Small Business
Figuring out how to get startup funding for a small business comes down to one uncomfortable fact: most lenders want to see history you don't have yet. The good news is that "new" isn't the same as "unfundable", the right products lean on your personal credit, early revenue, or the asset you're buying instead of years of tax returns. Quordx Capital maps the realistic startup paths and matches your profile to lenders in our 50+ network who actually work with newer 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 Actually Comes Together
For startups, approval shifts from business history to other signals: your personal credit score, any revenue you've already booked, collateral, and the strength of your plan. A solid 680+ personal score opens more doors than owners expect, and a few months of consistent deposits can be enough for some lenders.
Asset-based options like equipment financing sidestep the history problem entirely, because the equipment secures the loan. SBA microloans, issued through nonprofits and capped around $50K, are also built for early-stage businesses.
Which Funding Options Fit a Startup?
Equipment Financing: The asset is the collateral, so time in business matters less and rates stay competitive at ~7-20%. Best for startups buying machinery, vehicles, or gear.
SBA Microloan: Smaller, low-cost capital up to ~$50K via nonprofit lenders, often with mentoring. Best for modest early funding needs.
Business Credit Cards: Accessible early and builds business credit history. Best for covering startup expenses as you ramp 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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