What is the easiest business loan to get?
The easiest business loans to get are revenue-based products, working capital loans, merchant cash advances, and invoice factoring, because they're underwritten on your deposits or your customers' creditworthiness rather than your credit score. Typical minimums run as low as 3-6 months in business, about $10K+ in monthly revenue, and personal credit starting around 500-550. But "easiest" carries a price: the more accessible the money, the more it usually costs. Settling for the first easy approval can mean paying double what you needed to. Quordx Capital shows you the easiest options you qualify for and anything better you qualify for, side by side.
Part of our guide to Business Loans.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
Why Some Loans Are Easier, and What That Costs You
Lenders price risk. A bank demanding two years of financials and a 700 credit score can charge roughly 7% because it rarely loses money. An alternative lender approving you in a day off three months of bank statements takes on far more risk, and charges for it.
The ranking, easiest to hardest: merchant cash advances and invoice factoring, then working capital loans and online lines of credit, then equipment financing (collateral helps), then bank term loans, then SBA loans (best rates, most paperwork, 650+ credit typical). The right question isn't "what's easiest": it's "what's the best deal I can actually get approved for."
The Most Accessible Products in the Quordx Capital Network
Working capital loans: ($5K-$500K): Best balance of accessibility and structure; short-term, fast, revenue-driven approvals.
A/R financing / invoice factoring: (70-90% advanced on invoices): Best for B2B businesses; your customers' credit does the heavy lifting.
Equipment financing: ($5K-$5M+): Best when you're buying an asset; collateral makes approvals easier than unsecured loans, at rates commonly 7%-20%.
Merchant cash advances: ($5K-$500K): Most accessible of all, and the most expensive; appropriate only when speed genuinely outweighs cost.
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How Quordx Capital Works
A 10-minute application and a quick document upload, bank statements, tax return, ID, feed Quordx Capital's matching process engine. It scans 50+ vetted lenders and returns the 3-7 most likely to approve you, ranked by probability, so you're not guessing where you fit. Most decisions arrive within 24-48 hours, and money typically hits your account in 3-7 business days.
What to Expect
If your credit is rough, expect realistic matches rather than rejection letters: the network includes lenders built for challenged credit. Also expect honesty about cost: the easy money is expensive money, and Quordx Capital discloses every fee and term, and will decline to submit you for a product that hurts more than it helps. It's free, with no obligation.
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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