QuickBooks Capital Review: Requirements, Pros & Cons - Complete 2025 Guide
Receive funds in as little as 1–2 business days after approval.
Loan amounts from $1,500 to $200,000 with terms ranging from 6–24 months.
Apply directly through your QuickBooks account, leveraging your business data.
Absolutely great customer service. Jim is such a professional and was able to get us funding. Thanks Jim and Upwise Capital.
Craig went above and beyond to get this deal done! I would highly recommend UpWise Capital if you're looking for a broker to get investors onboard.
Craig made himself available all the time, he was very attentive, professional and easy to work with. Highly recommend!
We worked with Leo for our line of credit. We are a trucking company an can be a challenge to secure financing. The process was smooth and fast funding. Our only complaint would be that Leo was a little impatience when it came to our decision making. We are very thankful for the funding and would do business with them again. Thanks,
Upwise
Upwise
Leo got us a line of credit loan very quickly to help with expenses we incurred during our new business building purchase.
You are always hesitant when working with a finance firm to borrow money to grow your company But, I highly recommend Upwise Capital. Lou and Marc went out of their way to ensure everything was taken care of. Very professional in all steps taken to secure the financing I needed. I look forward to continuing the business relationship.
I rarely write reviews, but my experience with Leo was absolutely. Leo was patient, knowledgeable, and extremely responsive. During a hectic work week he continued to bare with me to be sure that i had all the information I was requesting. He got me the capital I needed within one day. I highly recommend this company!
QuickBooks Capital at a Glance: Key Features and Services
QuickBooks Capital is a financing solution provided by Intuit, designed to offer small business owners fast and simple access to capital. Integrated directly into the QuickBooks accounting software, the platform streamlines the entire capital application process, from applying for a loan to managing repayment. By leveraging your business credit history, sales trends, and cash flow data, QuickBooks Capital simplifies eligibility and provides personalized loan options with competitive rates. Whether you need to cover operational expenses, manage cash flow gaps, or fund growth opportunities, QuickBooks Capital loans are tailored to meet your needs.
For businesses that do not qualify for QuickBooks Capital or wish to explore additional funding options, the QuickBooks Capital Marketplace offers a limited selection of lending partners. These lending partners provide a variety of funding options, including short-term loans and lines of credit, with differing eligibility requirements and underwriting processes compared to QuickBooks direct loans.
Quick Facts About QuickBooks Capital:
- Loan Products:Term loans, lines of credit, working capital loans
- Loan Amounts: $1,500 to $200,000
- Funding Speed: 1–2 business days
- APR: Ranges from 9.99% to 36%
- BBB Rating: A+
What You’ll Learn in This Review:
- What is QuickBooks Capital?
- How does QuickBooks Capital work?
- Loan products, terms, and eligibility requirements
- Pros, cons, and comparisons with other lenders
- Frequently Asked Questions (FAQs)
What is QuickBooks Capital?
QuickBooks Capital is a business funding solution offered by Intuit, designed to provide fast and flexible loans for small businesses. Integrated directly into your QuickBooks software, the platform leverages financial data like invoices, cash flow, and sales trends to determine loan eligibility and minimize documentation. Whether you’re covering unpaid invoices, managing seasonal cash flow, or expanding your operations, QuickBooks Capital provides tailored business loans with no origination fee or prepayment penalty.
Available Loan Products:
- Term Loans: Fixed repayment terms for predictable budgeting.
- Working Capital Loans: Short-term funding for immediate operational needs.
- Lines of Credit: Flexible access to funds for ongoing expenses.
Industries They Serve:
QuickBooks Capital serves a wide range of industries, including:
- Retail
- Construction
- Professional Services
- Healthcare
- Food & Beverage
How Does QuickBooks Capital Work?
QuickBooks Capital simplifies the loan process by integrating directly with your QuickBooks account, allowing you to apply, manage, and repay loans all in one place. The platform uses your business financial data to pre-fill your application and provide personalized loan offers quickly.
Key Features of QuickBooks Capital’s Process:
- Streamlined Application: Apply directly through your QuickBooks account in minutes.
- Fast Approval: Receive a decision in minutes, with funds deposited in as little as 1–2 business days.
- Integrated Management: Manage your loan and repayments through the QuickBooks Capital tab.
This seamless process eliminates the need for extensive paperwork and speeds up funding compared to other online lenders.
QuickBooks Capital Eligibility and Terms
To qualify for a QuickBooks Capital loan, your business must meet specific criteria designed to ensure you can manage the loan effectively. Firstly, you need to have an active QuickBooks Online or Desktop account, as the platform leverages your financial data to streamline the application process. Additionally, your business must be based in the United States and generate a minimum annual revenue of $50,000. A solid business credit score of 760 or higher is also required, along with a business bank account to facilitate the transfer of funds.
QuickBooks Capital offers installment loans with flexible terms ranging from 6 to 18 months. The Annual Percentage Rates (APRs) for these loans range from 9.99% to 34%, depending on your business’s financial health and creditworthiness. One of the standout features of QuickBooks Capital loans is the absence of origination or closing fees, making them a cost-effective option for small businesses. The loan amount you can qualify for is determined by your revenue history, credit score, and other financial factors, ensuring that the loan is tailored to your business’s needs.
QuickBooks Capital Loans and Financing Options
Term
Loans
- Loan Amounts: $1,500 to $200,000
- Repayment Terms: 6–24 months
- Uses: Covering operating expenses, purchasing inventory, or funding expansion.
QuickBooks term loans are ideal for businesses needing predictable monthly payments over a set period.
Quickbooks
Working Capital
- Loan Amounts: Based on cash flow and business performance.
- Repayment Terms: Short-term, typically 6–12 months.
- Uses: Managing cash flow gaps, payroll, or short-term expenses.
QuickBooks working capital loans help businesses stabilize their finances during periods of fluctuating revenue.
Line of
Credit
- Loan Amounts: Varies based on business needs and performance.
- Repayment Terms:Revolving credit; pay interest only on what you use.
- Uses: Covering ongoing expenses, emergencies, or seasonal needs.
A QuickBooks line of credit provides flexibility for proactive business owners to address cash flow challenges and pursue growth opportunities.
QuickBooks Capital Requirements
Here is the basic criteria your business must meet for quickbooks capital requirements:
- Annual Revenue: At least $50,000 in the past 12 months.
- Time in Business: At least 6 months.
- Credit Score: No minimum, but fair credit is preferred.
- Required Documentation: Up-to-date business data in QuickBooks; additional documentation may be requested.
What You Need to Know
A few things to know when considering quickbooks capital loans:
- No origination fees, prepayment penalties, or hidden charges.
- Loans can be paid off early without incurring additional fees, saving on interest.
- Flexible terms ranging from 6 to 24 months.
How to Apply to QuickBooks Capital
QuickBooks Application Process
Step 1: Complete the Online Application
- Log in to your QuickBooks online account.
- Navigate to the Capital tab and select the loan product that fits your needs.
- Pre-filled data from your QuickBooks account makes the application process quick and easy.
Step 2: Review Loan Offers
- Receive loan options within minutes.
- Compare terms, interest rates, and monthly payments with the help of QuickBooks Capital’s tools.
Step 3: Accept Funding Offer
- Choose the loan option that works best for your business.
- Funds are deposited into your business bank account within 1–2 business days.
Pros & Cons of QuickBooks Capital
PROS
CONS
Apply Now for Business Financing
- Access term loans, lines of credit, working capital & more
- Secure the terms and conditions that make sense for you
- Apply for working capital and cash flow funding to cover inventory, marketing and operations
Stay ahead of the curve - get access today!
Upgrade your capabilities with specialized financing for almost any industry.
Why Choose Upwise Capital
Quick & easy application
Our simple 15-minute application gets you on your way to funding quickly. Most applicants receive a fast decision within hours of applying. Then just choose your loan terms and you could have funds deposited into your account as soon as 24 hours.
Ensure you make the wise choice
Every Upwise applicant gets a dedicated funding advisor who takes the time to understand your business and it's unique needs. We are here for your support throughout the entire funding process.
Access multiple financing options
Upwise has an extensive product suite and a network of business line of credit lenders. This means you're more likely to find the best match for your funding needs.
Is QuickBooks Capital Legit?
Yes, QuickBooks Capital is a legitimate lending service offered by Intuit in partnership with WebBank. The platform is trusted by thousands of small business owners and is backed by Intuit’s reputation for excellence.
If QuickBooks Capital doesn’t meet your needs, consider exploring Upwise Capital for alternative business funding options.
QuickBooks Capital Frequently Asked Questions - FAQ
What other lenders compare to QuickBooks Capital?
- If QuickBooks Capital loans don’t meet your specific needs or if you’re looking to explore other options, several alternative lenders offer competitive and flexible financing solutions:
- Breakout Capital: Known for its flexible short-term loans, Breakout Capital offers competitive rates and terms tailored to small businesses.
- SmartBiz: Specializes in SBA loans, providing working capital, debt consolidation, and commercial real estate loans with favorable terms.
- Fundation: Offers competitive rates and exceptional customer service, making it a reliable choice with minimal negative reviews.
- OnDeck: Provides short-term loans and lines of credit with weekly or daily payments, catering to businesses with lower borrowing requirements.
- StreetShares: Delivers quick and affordable financing for small to medium-sized businesses, featuring attractive rates and modest qualification criteria.
Each of these alternatives presents unique benefits and terms, so it’s essential to research and compare them to find the best fit for your business’s financial needs. Whether you need a QuickBooks Capital loan or another financing option, these lenders offer viable solutions to help your business thrive.
What Happens After Applying with QuickBooks Capital?
After applying, QuickBooks Capital evaluates your application using your QuickBooks financial data, providing a decision within minutes. Approved funds are deposited into your business bank account within 1–2 business days.
Does QuickBooks Capital report to credit bureaus?
Yes, your business credit history is reported, which can help build your credit profile. QuickBooks Capital reports loan repayment activity to credit agencies like Dun & Bradstreet and Experian’s Small Business Credit Share. Applying for a loan will not impact your personal credit score.
How do I manage my loan with QuickBooks Capital?
Log into your QuickBooks online account to track payments, view terms, and manage your loan through the Capital tab.
What is the customer experience with QuickBooks Capital?
QuickBooks Capital reviews frequently highlight the platform’s streamlined application process, fast funding, and transparent terms. Customers appreciate how seamlessly the loan integrates with their QuickBooks accounting software. QuickBooks Capital’s streamlined application process allows users to apply quickly through their QuickBooks account, offering competitive rates and fees, along with excellent customer support options for assistance with the application process.
Testimonials:
- “I received funding the next day after applying. The process was so simple!” – Caralyn V.
- “QuickBooks Capital loans offered low interest rates and no hidden fees—perfect for my growing business.” – Linda R.
QuickBooks Capital User Reviews and Ratings
QuickBooks Capital has garnered generally positive reviews from users, who frequently praise the platform for its ease of use, fast funding, and competitive rates. Many business owners appreciate the streamlined application process, which leverages their existing QuickBooks data to simplify and expedite loan approval. The speed of funding, often within 1–2 business days, is another highlight that users find particularly beneficial.
On review platforms like G2 and Trustpilot, QuickBooks Capital boasts an average rating of 4.5 out of 5 stars. Users commend the platform for its transparency, with no hidden fees or prepayment penalties, and the overall simplicity of managing loans through their QuickBooks account. While some users have noted occasional delays in customer service response times, the overall feedback is overwhelmingly positive, reflecting a high level of satisfaction among small business owners.
How is QuickBooks Capital Customer Service & Technical Support?
QuickBooks Capital is committed to providing excellent customer service and technical support to help you navigate any questions or issues you may encounter. Their support team is accessible via phone and live chat, ensuring you can get assistance when you need it. Additionally, the QuickBooks Capital website features a comprehensive FAQ section that addresses many common queries, providing quick answers and guidance.
Beyond direct support, QuickBooks Capital also offers a marketplace for partner loans. This feature allows you to explore additional financing options from other reputable lenders, giving you more flexibility and choice in securing the funds your business needs. Whether you need a QuickBooks Capital loan or are exploring other options, their support infrastructure is designed to help you make informed decisions and manage your business finances effectively.
QuickBooks Capital: Final Verdict
Who Should Consider QuickBooks Capital?
- Existing QuickBooks users seeking fast and integrated funding.
- Small businesses needing short-term loans to manage cash flow gaps.
- Business owners looking for clear, transparent lending terms.
- Small businesses seeking efficient loan solutions and improved credit scores through small business loans.
Who Should Look Elsewhere?
- Businesses not using QuickBooks software.
- Entrepreneurs seeking large loan amounts over $200,000.
Tips for Success with QuickBooks Capital
- Ensure your QuickBooks account is up to date with accurate financial data.
- Use the loan for specific needs like inventory, payroll, or cash flow stabilization.
- Compare loan terms carefully to ensure they fit your business’s budget.
- Pay off loans early, if possible, to save on interest.
Disclaimer: QuickBooks Capital trademark is owned by Intuit, Inc. and its use herein is for reference purposes only. This does not indicate sponsorship or endorsement from Intuit, Inc.