Find answers to the most common questions about business funding, our application process, and QuicKapital services.
QuicKapital is a business funding company that connects small and medium-sized businesses with the capital they need to grow. We specialize in providing fast, flexible funding solutions including working capital loans, equipment financing, merchant cash advances, lines of credit, and commercial real estate loans.
Unlike traditional banks, we focus on your business performance and revenue rather than just credit scores, making funding accessible to more business owners across all 50 states.
QuicKapital differs from banks in several key ways:
Our typical funding timeline is:
In many cases, businesses receive funds within 24 hours of applying. This is significantly faster than traditional banks, which typically take 4-12 weeks for the entire process.
Yes! QuicKapital proudly serves businesses in all 50 states. Whether you're located in Alaska, Hawaii, or anywhere in between, we can help you access the funding you need. Our nationwide network ensures that no matter where your business operates, you have access to our funding solutions.
Applying is simple and takes about 5 minutes:
You can start your application at quickapital.com/contact
To complete the application, you'll need:
For most applications, this is all we need initially. Additional documentation may be requested during the underwriting process.
No, submitting an application and checking your eligibility does not affect your credit score. We perform a "soft" credit inquiry during the initial review, which does not impact your credit.
A "hard" credit inquiry may only occur if you choose to accept a funding offer and move forward with finalizing the agreement. We'll always inform you before any hard inquiry is made.
Absolutely not. There is no obligation to accept any funding offer we present. Our goal is to provide you with options that work for your business, and you're completely free to decline if none feel like the right fit. There are no application fees, and there are no penalties for declining an offer.
Our basic requirements are designed to be inclusive:
These are general guidelines. Every business situation is unique, and we evaluate applications individually. If you're close to meeting these requirements, we still encourage you to apply.
Yes! We specialize in helping businesses with less-than-perfect credit. Unlike traditional banks that heavily weigh credit scores, we take a more holistic approach by evaluating:
Many of our most successful clients had credit challenges but demonstrated strong business fundamentals. If your business generates consistent revenue, you have a good chance of approval regardless of your personal credit history.
We require businesses to be operational for at least 3 months with a minimum monthly revenue of $5,000. If your business is newer than 3 months, we recommend waiting until you meet this threshold and can demonstrate consistent revenue.
However, if you have strong revenue (well above $5,000/month) and can show business momentum despite being new, we encourage you to apply anyway. Each application is reviewed individually, and exceptions can be made for exceptional circumstances.
We work with businesses across virtually all industries, including but not limited to:
Some industries have restrictions (such as gambling, adult entertainment, or illegal activities). If you're unsure whether your business qualifies, simply apply or contact us at (770) 892-8993 to discuss.
Funding amounts vary based on the product and your business qualifications:
The amount you qualify for depends on your monthly revenue, time in business, credit profile, and the specific funding product. We'll present you with options that match your needs and qualifications.
Rates vary based on several factors including your credit profile, revenue, time in business, loan amount, and repayment term. We offer competitive rates that reflect the speed and flexibility of our funding compared to traditional banks.
All rates, fees, and terms are clearly disclosed before you accept any offer. We believe in complete transparency - there are no hidden fees or surprise charges. You'll know exactly what you're paying from day one.
We're happy to discuss specific rates during the application process. Contact us at (770) 892-8993 or apply online to receive personalized rate quotes.
Repayment structures vary by funding type:
Payments are typically made via automatic ACH withdrawal from your business bank account. You'll receive a clear repayment schedule before accepting any offer.
Yes, most of our funding products allow early repayment. However, prepayment terms vary by product:
Early repayment terms will be clearly stated in your funding agreement. If you're considering early repayment, contact your funding specialist to understand your specific terms and any applicable fees.
You can use business funding for virtually any legitimate business purpose, including:
The funds are yours to use as needed to grow and improve your business. Some specialized products (like equipment financing) may have usage restrictions tied to the collateral.
Absolutely not. We believe in complete transparency and upfront disclosure of all costs. Every fee, rate, and charge will be clearly explained in your funding offer and agreement before you accept.
There are no application fees to apply. You'll see all costs associated with your funding including:
If you have any questions about fees or costs, your dedicated funding specialist will explain everything in detail. We want you to make an informed decision with complete clarity about all financial terms.
Yes! When you apply, our team evaluates which funding products best match your needs and qualifications. We often present multiple options from different product categories so you can compare and choose the best fit. You can also discuss combining products (for example, working capital and equipment financing) with your funding specialist.
We encourage you to apply even if you've been declined elsewhere. Traditional banks often have rigid requirements that don't account for actual business performance. We evaluate applications differently by focusing on:
Many businesses that were declined by banks have successfully secured funding through QuicKapital. It costs nothing to apply, so we recommend submitting an application to see what options are available to you.
Absolutely. We take data security and privacy very seriously. Your information is:
You can review our complete privacy policy at any time on our website. We're committed to protecting your business information.
Yes! We encourage you to reach out if you have questions before applying. Our funding specialists are available to:
Contact us:
Can't find the answer you're looking for? Our friendly funding specialists are here to help.
Available Mon-Fri 8am-8pm EST, Sat 9am-5pm EST
Now that your questions are answered, take the next step toward funding your business growth.
No obligation · No credit impact to apply · Secure & confidential