Small Business Loans

QuickBooks Capital is reinventing small business lending. Explore small business loans to grow your business.

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Small business loans

QuickBooks Capital is reinventing small business lending. Explore small business loans to grow your business.

Get started

Find the small business loan your business needs to thrive.

Get credit for what’s in your books
With QuickBooks Capital, we use the financial data you already track in QuickBooks to help you apply for a small business loan. We look at open invoices, the cash flow forecast, sales trends, profitability over time, and hundreds of other data points to help you find the right small business loan offer.

Apply for a small business loan in minutes
We pre-fill your loan application with information from your QuickBooks account, making the business loan application process fast and easy. We look at a variety of factors to see if you qualify for a business loan, including past business history, use of QuickBooks, annual revenue, personal and business credit history, and current liabilities.

Receive a decision and the funds quickly
Once you apply for a small business loan, we won’t keep you waiting. You’ll usually hear from us within 2-3 business days. If your business loan is approved, you can choose the amount you want to receive up to our maximum offer. Then, we deposit the loan amount directly into your business bank account in about 2 days, though many of our partners will deposit funds into your bank account the same day.

Explore your business financing options

Access to multiple lenders
When you apply for a small business loan through QuickBooks Capital, your application is sent to our trusted partners. For a short term working capital loan, QuickBooks Capital is the lender. For an additional term loan, line of credit, invoice financing, or an SBA loan, we work with a set of trusted partners. We work hard to provide you with financing options based on your unique business needs.

Know all the costs up front
With QuickBooks Capital, there are no origination fees, no prepayment penalties, and no surprises. We work with financing partners that are committed to providing transparent and competitive rates. You’ll always know upfront how much it costs to access QuickBooks Capital loans.

Apply without affecting your credit score
Compare rates on a wide range of options from our partners without affecting your credit score. We do a soft pull of your personal credit history when you apply for a small business loan, and a soft pull won’t affect your credit. We look at the personal credit of the business owners because our business loans are personally guaranteed, unlike secured loans which require collateral.

Explore your business financing options

Access to multiple lenders
When you apply for a small business loan through QuickBooks Capital, your application is sent to our trusted partners. For a short term working capital loan, QuickBooks Capital is the lender. For an additional term loan, line of credit, invoice financing, or an SBA loan, we work with a set of trusted partners. We work hard to provide you with financing options based on your unique business needs.

Know all the costs up front
With QuickBooks Capital, there are no origination fees, no prepayment penalties, and no surprises. We work with financing partners that are committed to providing transparent and competitive rates. You’ll always know upfront how much it costs to access QuickBooks Capital loans.

Apply without affecting your credit score
Compare rates on a wide range of options from our partners without affecting your credit score. We do a soft pull of your personal credit history when you apply for a small business loan, and a soft pull won’t affect your credit. We look at the personal credit of the business owners because our business loans are personally guaranteed, unlike secured loans which require collateral.

Manage your loan inside QuickBooks

Pay only interest costs
With QuickBooks Capital, interest rates are based on business and credit performance. You’ll know the borrowing cost for all types of loans upfront and there are no hidden fees. We are committed to providing transparent and competitive interest rates.

Enjoy automatic repayment
There is no need to schedule or send in loan payments. We automatically debit weekly ACH payments from your business bank account and record the transaction in QuickBooks. Plus, we don’t believe in prepayment penalties. If you’re able to, you can pay off your loan early to save on interest costs.

Track your small business loan
Keep track of your payment history and progress toward paying off your small business loan right in QuickBooks. We make it easy to access the details of your loan, see how much you’ve paid off and what you still owe, manage your auto-payment settings, and even set up a one-time payment. If you want to borrow again, we’ll use this loan payment history as an input when finding your next small business loan.

See how to apply for a loan

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Financing Options for Your Business

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Frequently Asked Questions