Small Business Funding Startup
Getting small business funding as a startup feels like a chicken-and-egg problem: lenders want history to prove you can repay, and you need capital to build that history. The way through is matching your actual stage to lenders who fund early, not banging on doors built for ten-year-old companies. Quordx Capital reads your real numbers and routes you only to lenders who work with startups, so your first applications aren't wasted on automatic declines that ding your credit for nothing.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
Why Time in Business Is the First Question
Most underwriting starts with how long you've operated and how much you bring in. SBA and traditional bank loans typically want 2+ years; revenue- and asset-based products can fund in months. Knowing which bucket you're in saves weeks of misdirected effort and protects your credit from needless pulls.
Quordx Capital matches against each lender's real minimums, some fund at 3-6 months in business and $10,000/month revenue, so you see what's genuinely within reach today, with honest amounts and rates rather than a teaser you can't actually access.
Which Products Work for a Startup?
Equipment Financing: Collateralized by the asset, so short history matters less and approval rests on what you're buying. Best for startups acquiring gear or vehicles that drive revenue.
Merchant Cash Advance: Funds against card and deposit volume early on, presented honestly with factor rates 1.20-1.35; a $15,000 advance at 1.30 repays about $19,500. Best for revenue-positive startups with a short, clear use.
Business Line of Credit: Once approved, flexible draws cover ongoing needs and you pay interest only on what's outstanding. Best for managing uneven early cash flow 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 docs if available. Quordx Capital matches your startup to lenders who fund early-stage businesses and submits for you. Most decisions return within 24-48 hours.
What to Expect
Early on, expect smaller amounts and somewhat higher rates until you build a track record, that's normal pricing for risk, and it improves steadily as you grow. Decisions still come in 24-48 hours, funding in 3-7 business days. Clean, rising bank deposits are your single best argument to a lender, more persuasive than any pitch.
Quordx Capital is free to the borrower, no application or broker fees. Lenders pay only on close, so we have no reason to push you into a product that doesn't fit.
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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