Small Business Loans With Low Interest Rates
When you want small business loans with low interest rates, the path runs through the right product and a strong file, not luck. As of June 2026, SBA 7(a) loans run roughly 9-11.5% APR, well-qualified term loans start near 8%, and equipment financing stays competitive around 7-20% because the asset backs it. The way to land at the low end is to compare lenders, and that's exactly what Quordx Capital does: one application, matching to 3-7 best-fit lenders from our 50+ network, real offers side by side. 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 You Actually Get a Low Rate
Rates track risk. Strong revenue, longer time in business, solid credit, and collateral all push your offers toward the bottom of the range. Secured products like SBA and equipment loans price lower than unsecured ones.
Term length matters too, a lower rate over a longer term can cost more in total interest than a higher rate paid off quickly, so compare the full dollar cost, not just the APR. With the prime rate near 6.75%, a single point of difference on a $100K loan is real money over a few years.
Quordx Capital submits to multiple lenders at once so they effectively compete, surfacing the lowest-cost offer your profile can earn rather than the first one you find.
Which Funding Options Fit?
SBA Loan: Government-backed, ~9-11.5% APR, up to $5M, longer terms. Best for established businesses (2+ years) that can wait a few weeks.
Term Loan: From ~8% for strong files, $10K, $500K+. Best for owners with solid credit and steady revenue.
Equipment Financing: ~7-20%, collateral-backed. Best for asset purchases where the equipment secures the loan.
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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