Small Business Loans Just Starting Out
Looking for small business loans when you're just starting out means working around the one thing you don't have yet: a financial track record. Most traditional lenders want 2+ years in business, but that doesn't shut every door, newer businesses can lean on personal credit, early revenue, or asset-based financing instead. Quordx Capital is honest about what's reachable this early and matches your profile to lenders in our 50+ network who actually fund businesses in their first months. Free to apply, decisions in 24-48 hours.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Lenders Evaluate a Brand-New Business
Without years of statements, lenders weigh other signals: your personal credit score, any revenue you've already generated, collateral, and a credible plan. A 680+ personal score and a few months of deposits open more doors than owners often assume.
Asset-based options dodge the history problem entirely, the equipment or invoice secures the financing, so the lender's risk drops. Some lenders will fund at $10K/month in revenue, which is reachable early, while others want $50K+ before they'll commit.
Which Funding Options Fit a New Business?
Equipment Financing: Secured by the asset, easing the history bar, with rates near ~7-20%. Best for buying machinery, vehicles, or gear early.
Business Line of Credit: Smaller revolving access for qualifying newer files, drawn as needed. Best for managing early cash swings without a fixed loan.
Business Credit Cards: Accessible early and builds credit history. Best for covering startup expenses as revenue grows.
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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