QuickBooks Term Loan helps boost cash flow

Save time and eliminate additional paperwork by applying and managing your loan right from your QuickBooks account. Get funding in as fast as 1-2 business days¹ after approval.

A brewer uses QuickBooks notifications on a mobile device to see that the loan was approved.

94% of customers are satisfied with the overall experience of getting a loan through QuickBooks.²

Explore the features

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Apply in QuickBooks

Save time—it only takes minutes to apply and get a decision.

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Flexible terms

Loans from $1.5K–$200K with terms from 6–24 months.

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Competitive rates³

Business loans with no origination fees or prepayment penalties.

Using a laptop while seated at a desk in an office, a business manager reviews performance data in QuickBooks.

Quick decisions, fast funding.

QuickBooks customers can apply right in QuickBooks and get a decision in minutes. Approved loans typically fund in as fast as 1–2 business days.1

Loan example:
Loan amounts, interest rates and terms displayed in this tool are for illustration purposes only; Actual offerings are subject to credit underwriting and market conditions.
Interest: $344
No Fees:
Interest will apply. Rates vary and depend on applicant's credit profile and other factors.
Weekly payment $206
Total repayment: $5,344

6 months (26 weeks)

Term Length



Interest Rate
Interest rates offered to business loans are subject to change based on various credit factors, as well as market conditions.


The annual percentage rate, or APR, is the annual rate charged for borrowing money and includes interest and non-interest fees.
Let's run some numbers

Business loan amounts from $1,500 to $200,000 with terms from 6-24 months.

Loan amount: $5,000
$1,500 $200,000
Interest rate: Interest rate:
Interest rates offered to business loans are subject to change based on business and credit performance, as well as market conditions.
A laptop shows the cash balance of a business and the 12 month forecast, a key data point when applying for a term loan.

A seamless lending experience

Your QuickBooks account gives you a head start on applying because data can be pulled from your account, such as:

  • Sales trends and seasonality
  • Profitability over time
  • Invoices and cash flow forecast
The manager of a brewery spending time inspecting the tank so it’s ready for the next batch.

Upfront transparency

Terms are clear from the start so you can avoid surprises and stay in control.

  • Payment terms from 6 to 24 months
  • No origination fees
  • No prepayment penalties
  • Won’t affect your personal credit score

98% of customers are satisfied with the speed of the credit decision2

A brewery owner sits at a table in the restaurant with a laptop open to the business performance data in QuickBooks Online.

Ready? Here’s some things you may need

  • Up-to-date and accurate business data in QuickBooks
  • Primary business bank accounts connected through QuickBooks (not required)
  • Generally, revenue of at least $50,000 over the past 12 months

Why small businesses rely on QuickBooks for access to capital

“I really liked how simple the application process was and how quickly we received an answer. I received funding the very next day.”

Caralyn Valdeman

Integrated NW Construction, LLC

January 2024

“QuickBooks Capital is a great opportunity to build credit and have a cushion for business expansion needs.”

Shane Tassin

Tassin Consulting LLC

January 2024

Frequently asked questions

What could you do with extra funds?