Small Business Loans How Much Can I Borrow
"Small business loans, how much can I borrow?" The honest answer: it depends on your product and your numbers, but the ranges are wide. Term loans run $10K to $500K+, lines of credit $10K to $250K+, equipment financing $5K to $5M, and SBA loans up to $5M. The real driver is your revenue, many lenders size loans to a multiple of monthly deposits. Quordx Capital matches your actual profile to lenders in our 50+ network so you see real numbers, not guesses. Free to apply, decisions in 24-48 hours.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
What Determines Your Borrowing Amount?
Lenders generally cap loans relative to your revenue and cash flow, a common rule of thumb is up to 1-1.5x monthly revenue for short-term products, more for longer-term or collateralized loans. A business doing $50K/month sees very different numbers than one doing $10K/month.
Time in business, credit, existing debt, and collateral all move the ceiling. Secured products like equipment financing often allow larger amounts because the asset backs the loan, while unsecured products lean harder on your revenue and credit profile.
Which Funding Options Fit Your Number?
Term Loan: $10K, $500K+, sized to revenue and credit, with fixed payments. Best for defined, larger needs where you know the amount up front.
Equipment Financing: $5K, $5M, secured by the asset itself. Best when you need a high amount tied directly to a purchase.
Business Line of Credit: $10K, $250K+ revolving, drawn as needed. Best when the exact amount fluctuates and you want flexibility.
Apply for Funding
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
Read full bio
Related articles
More on this topic from the Quordx Capital library.
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.
By submitting an application or contact information, you consent to be contacted by Quordx and its lending partners via phone, text, and email, including by automated means, regarding your funding inquiry. Consent is not a condition of receiving funding. Message and data rates may apply. Reply STOP to opt out. See our Privacy Policy and Terms of Service.