Can I get a business loan with an LLC?
Yes, an LLC can get a business loan, and in fact the LLC is the most common borrower structure lenders see. Every product Quordx Capital brokers, from $10K working capital loans to $5M SBA deals, is available to LLCs. What surprises many owners is what the LLC doesn't do: it won't shield you from a personal guarantee on most small business loans, and it doesn't borrow on its own merits until it builds revenue and credit history. Knowing how lenders actually evaluate an LLC saves you from both false fears and false hopes, and Quordx Capital matches your LLC to lenders that fit its real profile.
Part of our guide to Business Loans.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Lenders Evaluate an LLC
Lenders underwrite the business *and* the owner. For the LLC itself, they verify the entity documents, check time in business (3-6 months minimum for alternative lenders; 2+ years for banks), and read 3-6 months of bank statements for revenue, roughly $10K+ monthly opens most alternative options.
For you, the member-owner, they pull personal credit on most deals and typically require a personal guarantee, your personal promise to repay if the LLC can't. That's standard across small business lending, including SBA loans for owners of 20%+ of the company. A single-member LLC taxed as a sole proprietorship qualifies just as well as a multi-member one; lenders care about cash flow and credit, not your tax election.
One genuine LLC advantage: a clean separation of business banking makes underwriting faster, because lenders can read your revenue without untangling personal spending.
Funding Options for LLCs
Business term loans: $10K-$500K+ over 1-5 years with fixed payments. Best for established LLCs making a defined investment.
Business lines of credit: $10K-$250K+ revolving; pay interest only on draws. Best for managing uneven cash flow.
SBA loans: up to $5M for qualifying LLCs, currently around 10.5%-14% variable on 7(a). Best for the lowest cost with 2+ years and 650+ credit.
Equipment financing: $5K-$5M+ in the LLC's name with the equipment as collateral. Best for vehicles and machinery.
Estimate your funding
Answer a few questions about your business to see a likely range.
How Quordx Capital Works
Your LLC applies once, about 5 minutes, uploading bank statements, the latest tax return, entity documents, ID, and a voided business check. Our AI compares the profile against 50+ vetted lenders and returns 3-7 matches ranked by approval probability. Most lenders decide within 24-48 hours, and funding typically arrives in 3-7 business days.
What to Expect
Expect a personal credit check and, on most products, a personal guarantee: we'll show you exactly which offers require what before you choose. If your LLC is brand-new with no revenue, we'll be honest that options narrow to credit cards, equipment financing, and SBA startup paths. Everything is free to you, with no obligation attached to seeing your matches.
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