How do I get a business loan through Quick Loans Direct?

Simply fill out our 5-minute online application. We'll match your business with the best funding options from our network of 300+ lenders. You could receive offers within minutes and funding in as little as 24 hours.

What types of business loans are available?

We offer term loans, lines of credit, merchant cash advances, SBA loans, equipment financing, invoice factoring, revenue-based financing, and more. Funding amounts range from $5,000 to $5,000,000.

What are the minimum requirements for a business loan?

Requirements vary by lender and product, but generally you need: at least 3 months in business, minimum $8,000 in monthly revenue, and a valid business bank account. We work with all credit scores.

How fast can I get business funding?

Many of our lending partners can approve and fund your business in as little as 24 hours. Some products like merchant cash advances can be funded same-day.

Does applying affect my credit score?

No. Our initial application and pre-qualification process does not involve a hard credit pull. Your credit score is not impacted by applying through Quick Loans Direct.

Can I get a business loan with bad credit?

Yes. Many of our lending partners specialize in working with businesses that have less-than-perfect credit. Products like merchant cash advances and revenue-based financing focus more on your business revenue than your credit score.

Business Funding Options

Explore our full range of business funding solutions. From short-term working capital to long-term SBA loans, we help you find the right fit.

See What You Qualify For

Working Capital Business Line of Credit SBA Equipment Merchant Cash Advance Revenue-Based Invoice Factoring Commercial Real Estate

Working Capital Loans

Short-term funding designed to cover day-to-day business expenses such as payroll, rent, inventory, and operational costs.

Fast approval and funding, often within 24-48 hours
Flexible use of funds for any business expense
Fixed daily or weekly repayment structure
No collateral required in most cases

Best for:

Businesses needing quick access to cash for operational expenses, seasonal inventory, or bridging cash flow gaps.

Funding Amount

$5,000 - $500,000

Term

3 - 18 months

Rate Range

1.1x - 1.5x factor rate

Requirements

• 6+ months in business
• $10,000+ monthly revenue
• No minimum credit score (all credit considered)
• Active business bank account

Apply Now

Business Line of Credit

Revolving credit that lets you draw funds as needed and only pay interest on the amount you use. Ideal for managing cash flow fluctuations.

Draw funds whenever you need them, up to your credit limit
Only pay interest on what you use
Revolving -- as you pay down, credit becomes available again
Build business credit with on-time payments

Best for:

Businesses with recurring cash flow needs, seasonal fluctuations, or those who want a safety net for unexpected expenses.

Funding Amount

$10,000 - $1,000,000

Term

6 - 24 months (revolving)

Rate Range

8% - 30% APR

Requirements

• 1+ year in business
• $15,000+ monthly revenue
• 580+ credit score
• Active business bank account

Apply Now

SBA Loans

Government-backed loans through the Small Business Administration offering some of the most competitive rates and longest terms available for small businesses.

Lowest interest rates available for small business loans
Long repayment terms reduce monthly payment amounts
Multiple SBA programs: 7(a), 504, microloans
Can be used for working capital, real estate, equipment, and more

Best for:

Established businesses with strong credit seeking the lowest rates and longest terms for major investments or expansion.

Funding Amount

$50,000 - $5,000,000

Term

5 - 25 years

Rate Range

Prime + 2.25% - 4.75%

Requirements

• 2+ years in business (preferred)
• 680+ credit score
• Profitable business with strong financials
• Detailed business plan and financial documentation

Apply Now

Equipment Financing

Purpose-built financing for purchasing or leasing business equipment. The equipment itself typically serves as collateral, making approval easier.

Finance up to 100% of equipment cost
Equipment serves as collateral -- easier approval
Fixed monthly payments for predictable budgeting
Potential tax benefits through Section 179 deduction

Best for:

Businesses that need to purchase heavy equipment, vehicles, technology, or specialized machinery to operate or grow.

Funding Amount

$10,000 - $5,000,000

Term

1 - 7 years

Rate Range

5% - 20% APR

Requirements

• 1+ year in business
• 550+ credit score
• Equipment quote or invoice
• Demonstrated ability to repay

Apply Now

Merchant Cash Advance

Receive a lump sum of capital in exchange for a percentage of your future credit card or debit card sales. Payments adjust with your revenue.

Funding as fast as same day in some cases
Payments flex with your daily sales volume
No fixed monthly payment -- pay more when sales are up, less when down
Minimal paperwork and documentation required

Best for:

Retail, restaurant, and service businesses with steady card sales that need fast access to capital with flexible repayment.

Funding Amount

$5,000 - $500,000

Term

3 - 18 months

Rate Range

1.2x - 1.5x factor rate

Requirements

• 4+ months in business
• $7,500+ monthly revenue
• No minimum credit score
• Consistent card transaction volume

Apply Now

Revenue-Based Financing

Funding based on your business revenue with repayments tied to a percentage of your monthly income. Flexible and fast.

Funding based on revenue, not credit score
Payments automatically adjust with your income
Quick approval and funding process
No personal guarantee required in many cases

Best for:

Growing businesses with strong revenue but limited credit history, or those who prefer payments that scale with income.

Funding Amount

$10,000 - $1,000,000

Term

3 - 24 months

Rate Range

1.1x - 1.4x factor rate

Requirements

• 6+ months in business
• $15,000+ monthly revenue
• No minimum credit score
• Business bank statements (3-6 months)

Apply Now

Invoice Factoring

Turn your outstanding invoices into immediate cash. Sell your unpaid invoices at a discount and get funded the same day.

Access up to 90% of invoice value immediately
No debt -- you are selling an asset, not borrowing
Approval based on your customers' creditworthiness
Outsource collections to the factoring company

Best for:

B2B businesses with reliable customers that have outstanding invoices and need immediate cash flow improvement.

Funding Amount

$10,000 - $5,000,000

Term

Ongoing (as invoices are generated)

Rate Range

1% - 5% per 30 days

Requirements

• B2B business with invoices
• Creditworthy customers/accounts receivable
• No minimum credit score for your business
• Invoices free of liens or encumbrances

Apply Now

Commercial Real Estate Loans

Finance the purchase, renovation, or refinancing of commercial property including office buildings, retail space, warehouses, and more.

Long-term financing with competitive rates
Finance up to 90% of property value (with SBA)
Build equity in a tangible asset
Fixed or variable rate options available

Best for:

Businesses looking to purchase, expand, or refinance commercial property rather than continuing to lease.

Funding Amount

$100,000 - $5,000,000+

Term

5 - 25 years

Rate Range

5% - 12% APR

Requirements

• 2+ years in business
• 660+ credit score
• Property appraisal
• 20-30% down payment (less with SBA)

Apply Now

Not Sure Which Option Is Right for You?

Apply online in minutes and our team will match you with the best funding options for your business. It's free and there's no obligation.

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