QuickBooks Capital Review: Easy & Fast Funding with High Rates
QuickBooks Capital business loans isn't available on Finder right now.
- Min. Amount
- $1,000
- Max. Amount
- $200,000
- APR
- 9.99% to 36%
Our verdict
Easy application process and fast funding, but rates can get high and loan amounts are relatively small.
QuickBooks Capital is a direct lender that offers term loans up to $200,000 and business lines of credit up to $100,000. It’s practically a no-doc loan application, as it uses an algorithm to analyze your QuickBooks account, and it determines loan approval based on your cash flow and other business financials.
It promises a decision within minutes, funding within a day or two and doesn’t charge origination, prepayment or late fees. But you may be required to set up autopay, it charges rates up to 36% and loan terms are short: six to 24 months only. However, it also operates a business loans marketplace, giving you access to a wider variety of business financing options if QuickBooks Capital loans don’t fit your needs.
Best for: Businesses that use QuickBooks accounting software and are looking for relatively small, short-term loans.
Pros
-
No origination, prepayment or late fees
-
No personal hard credit check
-
No-doc loan application
Cons
-
Rates as high as 36%
-
Only offers short loan terms
-
May require automated payments
Is QuickBooks Capital legit?
Yes. QuickBooks Capital is a legitimate direct lender and loans marketplace. It’s a division of tech giant Intuit, which also operates brands such as TurboTax, Credit Karma and Mailchimp.
Intuit has had some legal troubles, most notably with TurboTax using deceptive marketing tactics to get taxpayers to pay high fees for its tax service, but we couldn’t find any marks against QuickBooks Capital.
What makes QuickBooks Capital shine?
- No fees. QuickBooks Capital stands out from other lenders by not charging origination fees, late fees or prepayment penalties. It doesn’t even charge fees for its business line of credit — except “standard payment processing fees” — making it practically a unicorn in the business loans space.
- Easy application. Rather than having you submit a ton of paperwork, it analyzes your QuickBooks and bank accounts to determine loan approval.
- No hard credit check. There’s no personal hard credit inquiry, so your score won’t take a hit. (However, the company notes your business credit could be affected.)
- Fast funding. You should get a loan decision within minutes, and you could receive funding in just a day or two.
Where QuickBooks Capital falls short
- High rates. Rates range from 9.99% to 36%, and some lenders can beat that. If you have an established business, strong financials and a good credit score, you might find a better deal elsewhere.
- Short loan terms. QuickBooks only offers loan terms up to 24 months. If you’re looking for a longer term, you might want to check out its loan marketplace.
- Requires a personal guarantee. You’ll need a personal guarantor on the loan. Some lenders don’t require a personal guarantee if you meet other qualifications.
- Small loan amounts. The maximum amount you can borrow is $200,000, which is relatively low in the business financing industry.
There’s one other point to mention, QuickBooks’ line of credit treats each cash withdrawal or invoice advance — the two ways to access your LOC — as a separate loan with its own rate and term. So, it’s not like a traditional model of revolving credit, which is more common. However, you can take out as many of these loans as you want, up to your approved limit.
QuickBooks Capital business loan details
| Minimum credit score/credit range | 580 |
| APR | 9.99% to 36% |
| Loan amount | $1,000 to $200,000 |
| Terms | 6 to 24 months |
| Approval turnaround | Typically 1 to 2 business days |
| Availability | |
| Fees | No origination, prepayment or late fees Standard payment processing fees apply |
QuickBooks Capital contact info
| Phone number | 844-832-2903 |
| Customer service hours | Weekdays 5 a.m. to 6 p.m. PT |
| Not listed | |
| X ,formerly Twitter | @QuickBooks |
| Intuit QuickBooks |
How to qualify for QuickBooks Capital
Here are the basic requirements to qualify for a QuickBooks Capital loan:
- A 580 credit score or better
- At least $50,000 in revenue in the past year
- No bankruptcies (personal or business) in the last two years
QuickBooks Capital also requires a personal guarantor on the loan who is responsible for repaying it if the business is unable to.
How to apply
QuickBooks Capital doesn’t give much guidance about how to apply for its loans. It directs you to apply through your QuickBooks account.
You can also call 844-832-2903 to ask about applying for a loan or for other questions about financing your business.
How QuickBooks Capital compares to other lenders
Compare other products
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How we picked theseWhat is the Finder Score?
The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.
QuickBooks Capital reviews and complaints
| BBB accredited | No |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 1.06 out of 5 stars, based on 517 customer reviews |
| Trustpilot Score | 1 out of 5 stars, based on 1,088 customer reviews |
| Customer reviews verified as of | 17 November 2025 |
Unfortunately, QuickBooks Capital doesn’t have its own Better Business Bureau (BBB) or Trustpilot pages, so all reviews and complaints are for Intuit, its parent company. And the reviews seem to be primarily concerning the QuickBooks accounting software and the TurboTax tax preparation software.
In general, reviews on the BBB and Trustpilot for Intuit are largely negative, with customers complaining of poor customer service, technical issues, account holds and billing and payment issues. Positive comments are mostly about specific customer service representatives who were helpful. Others say that while the Intuit products are generally good, they are increasingly more expensive.
What do people on Reddit say?
But a few people say the rates can be a little high, and if you have good credentials, you could get a better deal elsewhere. Some customers also express frustration about not being able to apply for a new loan even after successfully repaying their last one.
Frequently asked questions
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Lacey Finder
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