Are Small Business Loans Hard To Get?
If your bank turned you down, it's easy to assume small business loans are simply hard to get, but the truth is you probably just knocked on the wrong door. Banks approve roughly a quarter of the applications they receive; specialized online and alternative lenders approve far more, and many fund businesses doing as little as $10,000 a month in revenue. The difficulty isn't getting a loan, it's finding the lender whose criteria actually match your numbers. Quordx Capital matches your profile to 3-7 best-fit lenders from a network of 50+, for free, so you stop guessing.
Part of our guide to Business Loans.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
Why Loans Feel Hard To Get (And Often Aren't)
Most owners apply to one bank, get declined, and stop. But banks favor strong credit, 2+ years in business, and collateral. If you fall short on any one of those, you're declined, even when a cash-flow lender would gladly fund you.
Quordx Capital looks at your full picture, monthly deposits, time in business, industry, and routes you to lenders who weight those factors instead of a single credit score. One application reaches the lenders most likely to say yes, without the repeated hard pulls that scattering applications across banks would cost you.
Which Options Are Easier To Qualify For?
Merchant Cash Advance: Underwrites on card and deposit volume, not FICO, and can fund in days. Best for businesses with strong revenue but thin or bruised credit who need speed; weigh the factor-rate cost first.
Business Line of Credit: Revolving access from $10K to $250K+ that you draw as needed and only pay interest on what you use. Best for owners who want flexibility without a lump-sum commitment.
Working Capital Loan: Fixed lump sum from $5K to $500K for a known need. Best for established businesses with steady deposits and a clear use of funds.
Estimate your funding
Answer a few questions about your business to see a likely range.
How Quordx Capital Works
Apply online in about 10 minutes. Upload 3-6 months of bank statements, your most recent business tax return, and your ID. Quordx Capital matches your profile to the best-fit lenders in our 50+ network and submits on your behalf. Most decisions come back within 24-48 hours.
What to Expect
Decisions typically land within 24-48 hours, with funding in 3-7 business days. Stronger revenue and longer time in business push you toward better rates and larger amounts, but even newer businesses with modest credit find offers when matched to the right lender. A 580 score paired with consistent deposits often still draws workable offers.
Quordx Capital charges borrowers nothing. No application or broker fees. The lender pays commission only when your deal closes, so it costs nothing to see where you stand.
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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Quordx Capital is a business funding broker, not a lender. Lenders make every credit decision and set the rate, fees and terms, and not every business qualifies. Quordx may be paid by a lender when a deal funds. Full disclosures