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Intuit
12 helpful votes

What is QuickBooks Capital

QuickBooks Capital is a service offered by Intuit Financing Inc. that provides business loans to eligible QuickBooks customers. We take a holistic view of your business to create funding options that are right for you.

QuickBooks Capital offers funding in two different ways:

  • By directly underwriting loans.
  • By providing a marketplace for you to explore and match with curated lenders.

Through these two offerings we are able to provide QuickBooks customers with a range of funding options including term loans, lines of credit, invoice financing, SBA loans, and more.

Direct Loans

We believe you can accomplish whatever you set out to do, and we're delighted when we can help our QuickBooks Online customers succeed with a short-term working capital loan.

When QuickBooks Capital is the originating lender, we look at a variety of factors to see if you may qualify for funding, including but not limited to past business history, use of QuickBooks Online, 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 perform a soft pull of your personal credit history which does not affect your personal credit or score. However, your business credit history may be affected when you apply for a loan with us. As each small business is unique, we review each application individually. While we generally work within these guidelines, we do not guarantee that all applicants meeting these criteria will qualify for our business loans.

To check whether QuickBooks Capital is available to you, please visit QuickBooks Capital. For more answers, check out the FAQs section.

If you have questions and would like to speak to someone, give us a call at:

  • 844-832-2903 - While applying for or choosing a loan or other questions related to financing
  • 844-832-2910 - Regarding payments on your loan

QuickBooks Capital Marketplace

QuickBooks Capital Marketplace is open to all QuickBooks customers whether you use QuickBooks Online or QuickBooks Desktop. We use your QuickBooks information to surface options and pre-fill your application with financing partners. We’ve negotiated competitive rates on funding options with our curated partners so you can shop term loans, lines of credit, and more. You’ll be able to see your options without affecting your credit and compare rates with no hidden fees. From there, you can select the funding offer that works best for you and continue your application with the selected lending partner to complete the process.

If you are interested in exploring your options, please visit QuickBooks Capital Marketplace.

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