How Do New Businesses Get Funding?
How do new business get funding when the bank wants two years of history you don't have yet? You go to lenders who underwrite differently, reading recent bank deposits, personal credit, and revenue momentum instead of a long track record. Some lenders in Quordx Capital's 50+ network fund businesses operating just 3-6 months with around $10K/month in revenue. One free application matches you to the ones that actually fund early-stage companies, with decisions in 24-48 hours.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Does Funding Work for a New Business?
Newer businesses lean on cash flow and personal credit to prove they can repay. Approved amounts often start smaller and grow as you build history. Working capital, lines of credit, and equipment financing tend to be the most accessible early products.
Expect a personal guarantee and smaller opening limits, both are normal until the business has its own credit footprint. The good news is that a clean first loan repaid on schedule quickly opens the door to larger, cheaper funding. Quordx Capital screens out lenders with rigid two-year minimums, so you only see realistic options instead of collecting declines.
Which Funding Options Fit?
Working Capital Loan: $5K-$500K based on deposits. Best for covering operations as you ramp toward steady revenue.
Line of Credit: Draw, repay, reuse, $10K-$250K+. Best for uneven early cash flow without overborrowing.
Equipment Financing: Asset-secured, $5K-$5M+. Best when you need a specific piece of equipment to operate or grow.
Estimate your funding
Answer a few questions about your business to see a likely range.
What to Expect
Expect decisions in 24-48 hours and funding in 3-7 business days. Strong recent deposits and good personal credit are the biggest drivers of approval when you're new. Rates may sit higher than an established business sees, but the funding is real and builds the history that lowers your cost next time.
Quordx Capital is free to the borrower. The lender pays our commission only at close.
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