Small Business Loans How Much Can I Borrow
"Small business loans, how much can I borrow?" The honest answer: it depends on your product and your numbers, but the ranges are wide. Term loans run $10K to $500K+, lines of credit $10K to $250K+, equipment financing $5K to $5M, and SBA loans up to $5M. The real driver is your revenue, many lenders size loans to a multiple of monthly deposits. Quordx Capital matches your actual profile to lenders in our 50+ network so you see real numbers, not guesses. Free to apply, 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
What Determines Your Borrowing Amount?
Lenders generally cap loans relative to your revenue and cash flow, a common rule of thumb is up to 1-1.5x monthly revenue for short-term products, more for longer-term or collateralized loans. A business doing $50K/month sees very different numbers than one doing $10K/month.
Time in business, credit, existing debt, and collateral all move the ceiling. Secured products like equipment financing often allow larger amounts because the asset backs the loan, while unsecured products lean harder on your revenue and credit profile.
Which Funding Options Fit Your Number?
Term Loan: $10K, $500K+, sized to revenue and credit, with fixed payments. Best for defined, larger needs where you know the amount up front.
Equipment Financing: $5K, $5M, secured by the asset itself. Best when you need a high amount tied directly to a purchase.
Business Line of Credit: $10K, $250K+ revolving, drawn as needed. Best when the exact amount fluctuates and you want flexibility.
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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