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You only pay interest costs on our loans.
Rates are subject to change based on business and credit performance, as well as market conditions.
Our application only takes a few minutes. It’s easy because we use info from QuickBooks to fill in some of the blanks.
We won't keep you waiting—you'll usually hear from us within 2-3 business days. If approved, choose your amount up to our max offer.
Most loans fund in 2 business days. We deposit them right into your business bank account.
No need to schedule or send in loan payments. We debit weekly ACH payments from your business bank account.
Caitlyn and Jim
bought raw materials
Caitlyn and Jim
bought raw materials
Caitlyn, co-owner of Stout Tent
Mike, owner of Rocky Mountain Underground
Anthony, owner of True Love Honey
For short-term working capital, QuickBooks Capital is the lender. QuickBooks Capital is a service offered by Intuit Financing Inc.
If you’re looking for additional term loans, lines of credit, invoice financing, or SBA loans, we work with a set of trusted partners who offer competitive rates. Our partners are considered the lenders. You can shop and compare options in our Marketplace.
Current rates for our six-month loans range from 3.13%-8.49% (or 12-32% APR). The rate we offer varies depending on your business and personal credit profile. With our funding options, you’ll know the borrowing cost of our loans upfront. Rates are subject to change based on business and credit performance, as well as market conditions. Rates may differ by state.
There are no hidden fees in our funding options. You’ll always know upfront how much it costs to access QuickBooks Capital funds.
We don’t believe in prepayment penalties. In fact, if you’re able to, you can certainly pay off your loan early to save on interest costs.
We take into account your QuickBooks history, and we pre-fill your application with information from your QuickBooks account.
If you’re an LLC or Corporation
We do a soft pull of your personal credit history when you apply for financing. A soft pull won’t affect your credit score.
If you’re a Sole Proprietorship, LLP, or Partnership
We do a soft pull of your personal credit history when you apply for financing. A soft pull won’t affect your credit score. If we have an offer for you, we’ll need to do a hard pull of your personal credit before the final approval. We’ll get your consent before we do that. A hard pull can affect your credit score.
We report your business’s payment performance to Experian’s Small Business Credit Share (SBCS), including the status of your loan. When you pay on time according to your agreement with us, we report this to Experian, which can build your business credit history and improve your overall business credit score.
We look at a variety of factors to see if you qualify for a business loan, including past business history, use of QuickBooks, personal and business credit history, and current liabilities. In general, we look for a FICO of 580 or higher and at least $50,000 in revenue in the past year. You shouldn't have any bankruptcies (personal or business) in the previous 2 years, and your business type can't be on our prohibited industry list. We review each application individually, as each small business is unique, and while we generally work within these guidelines, we don't guarantee that everyone who meets these criteria will qualify for our business loans.
Your personal credit score must be 580 or higher to be considered for a QuickBooks Capital offer. We look at personal credit because our business loans are personally guaranteed, unlike secured loans which require collateral. If your business is unable to repay for any reason, we need to know that you personally can cover the obligation.