Small Business Loans Low Interest
Hunting for low interest small business loans is smart, the rate you lock in shapes your payments for years. The lowest rates in June 2026 come from SBA loans (~9-11.5% APR) and collateral-backed equipment financing (~7-20%), while unsecured term loans run higher at 8-30%+. The real low-rate move is qualifying for the right product and applying where your profile shines. Quordx Capital matches you to the lenders offering your lowest realistic rate from a 50+ network. Free to apply, decisions in 24-48 hours.
This guide is part of our full library on Business Loans. Start there for the complete lineup, then come back for the deep dive on your situation.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How to Actually Get a Low Rate
Low rates go to lower-risk borrowers. Strong personal and business credit, healthy monthly revenue, and longer time in business push you toward the bottom of every range. Collateral helps a lot, secured loans like equipment financing price well below unsecured options because the lender's risk is covered.
Product choice is the biggest lever. SBA loans carry the lowest APRs but demand patience and a strong file; avoid high-cost products like MCAs (factor rates 1.1-1.5) when a cheaper option fits. Quordx Capital steers you toward the lowest-cost product you actually qualify for, not the one that pays the most commission.
Which Funding Options Offer the Lowest Rates?
SBA 7(a) Loan: ~9-11.5% APR, the lowest cost available. Best for established businesses that can wait through underwriting.
Equipment Financing: ~7-20%, collateral-backed. Best for asset purchases where you want a low rate tied to the equipment.
Term Loan: ~8-30%+ by credit. Best for general needs when your credit is strong enough to land near the low end.
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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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