Small Business Loans With Low Interest Rates
When you want small business loans with low interest rates, the path runs through the right product and a strong file, not luck. As of June 2026, SBA 7(a) loans run roughly 9-11.5% APR, well-qualified term loans start near 8%, and equipment financing stays competitive around 7-20% because the asset backs it. The way to land at the low end is to compare lenders, and that's exactly what Quordx Capital does: one application, matching to 3-7 best-fit lenders from our 50+ network, real offers side by side. Free, with decisions in 24-48 hours.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How You Actually Get a Low Rate
Rates track risk. Strong revenue, longer time in business, solid credit, and collateral all push your offers toward the bottom of the range. Secured products like SBA and equipment loans price lower than unsecured ones.
Term length matters too, a lower rate over a longer term can cost more in total interest than a higher rate paid off quickly, so compare the full dollar cost, not just the APR. With the prime rate near 6.75%, a single point of difference on a $100K loan is real money over a few years.
Quordx Capital submits to multiple lenders at once so they effectively compete, surfacing the lowest-cost offer your profile can earn rather than the first one you find.
Which Funding Options Fit?
SBA Loan: Government-backed, ~9-11.5% APR, up to $5M, longer terms. Best for established businesses (2+ years) that can wait a few weeks.
Term Loan: From ~8% for strong files, $10K, $500K+. Best for owners with solid credit and steady revenue.
Equipment Financing: ~7-20%, collateral-backed. Best for asset purchases where the equipment secures the loan.
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.