Small Business Loans Banks
Banks offer some of the lowest-cost small business loans available, if you fit their criteria. Strong credit, two-plus years in business, solid collateral, and clean financials can earn you excellent bank terms. The catch is that banks decline most applicants, and the process can drag for weeks. Quordx Capital lets you pursue bank-quality terms while simultaneously reaching 50+ lenders, so you're not betting everything on one institution's narrow box, and it's free, with decisions in 24-48 hours.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Do Bank Loans Compare to the Broader Market?
Bank loans win on price: term loans from a strong bank relationship can land near the lower end of the 8-30% range, and SBA-backed bank loans run roughly 9-11.5% APR. But banks underwrite conservatively and slowly, and a single no leaves you starting over.
Quordx Capital's network includes banks and non-bank lenders alike. You apply once, and Quordx Capital surfaces both the low-cost options you qualify for and faster alternatives, so you compare rather than gamble. If a bank loan is genuinely your best fit, you'll see it; if your profile points elsewhere, you won't waste weeks finding out.
Which Funding Options Fit?
SBA Loan: Government-backed, bank-issued, up to $5M, lowest rates. Best for established businesses that can wait for the best terms.
Term Loan: Fixed lump sum and schedule, $10K, $500K+. Best for planned investments with strong credit.
Business Line of Credit: Revolving access, $10K, $250K+. Best for flexible, recurring capital needs.
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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