97% of customers are satisfied with the speed of the credit decision²
A simple, transparent process
Access a QuickBooks Term Loan with no origination fees, prepayment penalties, or hidden charges.³ Your clients know where they stand at every step.
![Image Alt Text](https://cdn.statically.io/img/quickbooks.intuit.com/oidam/intuit/sbseg-email/en_us/icons/email-icon-more-time.png)
Apply in QuickBooks
Save time—it only takes minutes to apply and get a decision.
Get flexible terms
Loans from $1.5K–$200K with terms from 6–24 months.
Access competitive rates³
Business loans with no origination fees or prepayment penalties.
Explore lending options
![Business owner boxing inventory as as they receive an alert that the loan they applied for was approved.](https://cdn.statically.io/img/quickbooks.intuit.com/oidam/intuit/sbseg/en_us/quickbooks-online-payment/web/image/feature/feature-freeland-spirits-0014-brand-photo-FY23-desktop.png)
Infuse additional capital into your business for things like fueling growth, covering expenses while awaiting payment, or boosting your cash flow.
![Business owners at a laptop seeing they’ve been approved for a line of credit.](https://cdn.statically.io/img/quickbooks.intuit.com/oidam/intuit/sbseg/en_us/quickbooks-capital/line-of-credit-feature-brand-photo23-qbo-us-desktop-tofu-620x620@2x.jpg)
Keep business on track with a Line of Credit you can access when you need to.³ Draw cash from your total credit limit or get an advance on eligible outstanding invoices—and only pay interest on the amount you borrow.⁴
![Business owner checking their funding offers in QuickBooks from a laptop.](https://cdn.statically.io/img/quickbooks.intuit.com/oidam/intuit/sbseg/en_us/quickbooks-online-payment/web/image/feature/feature-elizabeth-dye-001-brand-photo-FY23-desktop.png)
Browse additional funding options through QuickBooks Capital’s partners that provide small business loans and lines of credit.
![Business owner looking at the status of their loan application on their phone.](https://cdn.statically.io/img/quickbooks.intuit.com/oidam/intuit/sbseg/en_us/quickbooks-online-payment/web/image/feature/feature-freeland-spirits-0010-brand-photo-FY23-desktop.jpg)
Business eligibility
Here are a few things used to determine if a business is eligible for a QuickBooks Term Loan:
- 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
“QuickBooks Capital has proven to be a reliable and effective partner, offering solutions that truly cater to the needs of small business owners like myself.”
Lionell Ball
Inflect Digital
January 2024
“Thanks to QuickBooks Capital, my business has flourished, and I highly recommend their loan services to any entrepreneur seeking financial assistance to fuel their growth.”
Misael Garcia
Five Star Car Services
January 2024