Small Business Loans To Start
Looking for small business loans to start a venture is one of the toughest funding searches, because most cash-flow lenders want to see revenue you don't have yet. That's the honest part, and it doesn't mean you're stuck. Startups have real paths: SBA-backed financing, equipment loans tied to the asset, and credit-based products that lean on your personal profile rather than business history. Quordx Capital matches your situation to lenders in our 50+ network who actually fund early-stage businesses, with decisions in 24-48 hours and zero cost to you.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Startup Funding Actually Works
With little or no operating history, lenders look at substitutes for cash flow: your personal credit, a business plan, collateral, or a down payment. The stronger those are, the more options open up.
A financeable asset is often the easiest lever, when the equipment itself secures the loan, the lender's risk drops sharply even without a track record. The same logic explains why down payments and personal guarantees matter so much at the startup stage: they give the lender something concrete to stand on.
Quordx Capital screens your profile and routes you only to lenders comfortable with startups, so you're not wasting time on banks that auto-reject anyone under two years old.
Which Funding Options Fit?
SBA Loan: Government-backed, up to $5M, designed partly for newer businesses with solid plans. Best for founders who can document a clear model.
Equipment Financing: The equipment secures the loan, $5K, $5M+, so limited history matters less. Best for asset-heavy startups.
Business Credit Card: Revolving credit based largely on personal FICO. Best for covering early operating costs flexibly.
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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