Small Business Funding By Government
When people search for government funding, they usually mean SBA loans, financing the government doesn't issue directly but guarantees, so banks and lenders extend it at lower rates and longer terms than they otherwise would. True government grants for everyday small businesses are rare and narrowly targeted, so we won't oversell them. What's realistic and widely accessible is government-backed lending, and Quordx Capital matches you to SBA-experienced lenders in our 50+ network with decisions in 24-48 hours, free to you.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Does Government-Backed Funding Actually Work?
The Small Business Administration guarantees a large portion of approved loans, lowering lender risk. That guarantee is why SBA 7(a) loans run roughly 9-11.5% APR variable (up to about 14.75% max) with terms far longer than typical business loans, often 10 years for working capital and up to 25 for real estate. The loan comes from a lender; the government simply backs it.
SBA loans take longer than other products and require more documentation, business and personal financials, a use-of-funds plan, sometimes a business plan, but the rates and terms reward established businesses that can wait.
Which Government-Backed Options Fit?
SBA 7(a) Loan: The flagship program, up to $5M, for working capital, expansion, or acquisition. Best for established businesses (2+ years) wanting low rates.
SBA 504 Loan: For major fixed assets like real estate or heavy equipment. Best for owner-occupied property or large equipment purchases.
SBA Express: Faster turnaround, smaller amounts up to $500K. Best for established businesses needing quicker government-backed capital.
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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