How QuickBooks can help you access small business funding faster

Loans that aren’t slow and stressful

When you're trying to manage your cash flow, you need a financial partner you can count on. Unfortunately, traditional financing is often a source of frustration and uncertainty for small business owners. The process can be a major roadblock:

• Lengthy Processes: Some traditional lending institutions often have long, drawn-out application and approval timelines that can take weeks.
• Complex Paperwork: You're often required to gather and submit a lot of documents, from cash flow projections and balance sheets to tax returns and business plans.
• Uncertainty and Worry: The fear of rejection or discovering hidden fees can make the entire experience incredibly stressful.

These blockers could mean missing out on crucial opportunities for your business.

Real customer, paid for their time.

A faster, simpler way to get funded in QuickBooks

QuickBooks Capital is designed to solve these exact problems. It provides fast and easy access to funding that flexes with your business needs—all from within QuickBooks Online. When a new opportunity arises, you need to be able to act quickly and confidently. We’ve built our process around speed so you don’t have to wait.

Simple business funding with no hidden fees, no surprises

QuickBooks Term Loans offer a straightforward and efficient way for small businesses to secure funding.

Additional funding to help fuel your business through QuickBooks

If you maintain a strong repayment history, you may be eligible to apply for additional funding. This streamlined process lets you apply for another loan with a decision in minutes, and without the need for extra paperwork or origination fees. You can expect to receive funds in as fast as 1-2 business days if approved. This means you can easily access more funds to cover significant business expenses like equipment and payroll, or bridge cash flow gaps.

Real customer, paid for their time.

Flexible funds to help keep your business going strong

QuickBooks offers access to a flexible Line of Credit to help businesses manage their cash flow and seize opportunities. This funding option allows you to draw cash as needed, only paying interest on the amount you borrow.

Find the right financing options for your business

The QuickBooks Capital Marketplace helps you find financing options that can meet your business needs by unlocking smart, diverse financing options from hand-picked QuickBooks partners. 

An application that's actually easy

QuickBooks Capital removes the complexity from the loan application process, because your business data is already in QuickBooks.

• Apply in minutes: You can apply right inside of QuickBooks without needing to track down extra paperwork. Because your data is already in QuickBooks, you have a head start on the application process.
• Understandable application criteria: 97% of customers are satisfied with the ease of our application process.8
• Check without personal credit score impact: Decision is powered by your QuickBooks data, and applying won't affect your personal credit score.

Real customer, paid for their time.

Know what you owe: No hidden fees

Transparency is at the core of what we do. You should feel confident and clear about your finances.

• No Origination Fees: Unlike many other lenders, the price you see is what you get. Interest applies.
• No prepayment penalties: Freedom to repay your funding early, save on interest, and reinvest your money where it matters most. Whether your business experiences a sudden cash flow boost or you secure new financing, you can pay off your balance at any time without extra costs or restrictions. 
• No impact to personal credit score: Access the funding you need without affecting your personal financial standing.
• Clear Terms: Loan terms are straightforward and easy to understand.

How QuickBooks Capital compares

See for yourself why getting a loan through QuickBooks is a better experience for small business owners.

Disclaimer: Based on internal process design and typical experiences, timelines vary by applicant and lender

Ready to seize your next opportunity?

Don’t let a slow and complicated loan process dictate the future of your business. Through QuickBooks, you have a trusted partner ready to provide access to the funding you need, right when you need it.

See what you’re eligible for and take the next step toward growing your business with confidence.

Disclaimers

*QBO subscription required 

*Product name, features, terms and conditions are subject to change.

*QuickBooks Term Loans (“Term Loan”) and QuickBooks Line of Credit (“Line of Credit”) loans are issued by WebBank.

*All screen images are simulated and are for illustration purposes only.

¹Eligibility subject to change.

²Additional documentation may be requested if further verifications are needed.

³Based on a QuickBooks Capital-originated Term Loan survey, February 2025.

⁴Interest will apply. Rates vary and depend on applicant's credit profile and other factors.

⁵Loan amounts and terms may vary depending on applicant's credit profile and other factors; subject to final approval.

⁶Each invoice advance and each cash draw is a separate, closed-end term loan that has its own loan amount, interest rate, and payment terms.

⁷QuickBooks Payments required. This feature isn’t available for customer invoice payments made through GoPayment, Pay links, or QuickBooks Online Receive Payment experience. Interest waiver feature only applies to customer payment of exact loan amount, with no borrower prepayment. Your customer’s invoice payments will be automatically applied up to the outstanding loan amount.

⁸Decision times from Marketplace partners may vary. 

⁹Based on a QuickBooks Capital-originated Term Loan survey, February 2025

QuickBooks Capital is licensed as Intuit Financing Inc. (NMLS #1136148), a subsidiary of Intuit Inc.

QuickBooks Capital is licensed as Intuit Financing Inc. (NMLS #1136148), a subsidiary of Intuit Inc. Our service is limited to commercial or business loans only.