Small Business Loans Banks
Banks offer some of the lowest-cost small business loans available, if you fit their criteria. Strong credit, two-plus years in business, solid collateral, and clean financials can earn you excellent bank terms. The catch is that banks decline most applicants, and the process can drag for weeks. Quordx Capital lets you pursue bank-quality terms while simultaneously reaching 50+ lenders, so you're not betting everything on one institution's narrow box, and it's free, with decisions in 24-48 hours.
Part of our guide to Business Loans.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Do Bank Loans Compare to the Broader Market?
Bank loans win on price: term loans from a strong bank relationship can land at the low end of the market, and SBA-backed bank loans carry variable rates capped at Prime plus 3% to 6.5% by loan size (10% to 13.5% at the October 2026 Prime of 7.00%). But banks underwrite conservatively and slowly, and a single no leaves you starting over.
Quordx Capital's network includes banks and non-bank lenders alike. You apply once, and Quordx Capital surfaces both the low-cost options you qualify for and faster alternatives, so you compare rather than gamble. If a bank loan is genuinely your best fit, you'll see it; if your profile points elsewhere, you won't waste weeks finding out.
Which Funding Options Fit?
SBA Loan: Government-backed, bank-issued, up to $5M, lowest rates. Best for established businesses that can wait for the best terms.
Term Loan: Fixed lump sum and schedule, $10K, $500K+. Best for planned investments with strong credit.
Business Line of Credit: Revolving access, $10K, $250K+. Best for flexible, recurring capital needs.
Estimate your funding
Answer a few questions about your business to see a likely range.
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