Small Business Funding Options for Startups
Startups hit a wall fast when they look for funding: most loans want two years of business history and steady revenue, and a six-month-old company has neither. That doesn't leave you with nothing, it changes which small business funding options actually apply. Quordx Capital focuses on what's reachable at your stage, matching your real profile to lenders who fund newer businesses, so you don't waste applications and credit pulls on programs that auto-decline startups before a human ever reads the file.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
What Funding Is Realistic Before Two Years?
Time in business is the gatekeeper. SBA and bank term loans generally want 2+ years, so early on you lean toward products underwritten on revenue or assets rather than a long track record. If you're already invoicing or processing card sales, more doors open than you'd expect, lenders can see real money moving.
Quordx Capital matches against lenders' real minimums, some fund at $10,000/month revenue and as few as 3-6 months in business, so you see honest options, not a wishlist. Knowing your true bucket up front saves you weeks of dead-end applications.
Which Options Fit a Startup?
Equipment Financing: The equipment secures the loan, so limited history matters less and approval leans on the asset's value. Best for startups buying machinery, vehicles, or gear central to operations.
Merchant Cash Advance: Funds against card volume with as little as 3-6 months in business. We present it with full cost, factor 1.20-1.35, so $20,000 at 1.30 means about $26,000 repaid. Best for revenue-positive startups with a clear, short use of funds.
Business Line of Credit: Revolving access you draw from as needs arise, with interest only on the balance you use. Best for young businesses covering uneven early expenses without re-applying each time.
How Quordx Works
Apply online in about 10 minutes. Upload 3-6 months of bank statements, your most recent tax return, your ID, and entity documents if you have them. Quordx Capital matches your startup profile to lenders who fund early-stage businesses. Most decisions return within 24-48 hours.
What to Expect
As a startup, expect tighter amounts and higher rates than an established business until you build history, that's normal pricing for the added risk, and it improves with every month of clean operation. Decisions still land in 24-48 hours and funding in 3-7 business days. The strongest lever you control is clean, growing bank deposits.
Quordx Capital is free to the borrower, no application or broker fees. Lenders pay commission only when your deal closes, so matching you well is the whole job.
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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