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QuickBooks Capital business loans review

With a simple online application form, you could get funding in as little as one business day.

  • Best for fast funding based on your business's finances.
  • Pick something else if you don't already have a QuickBooks account.
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Min. Amount


Max. Amount

2.61% to 18.35%



Min. Amount$5,000
Max. Amount$100,000
Loan termUp to 12 months
Min. Credit Score620
APR2.61% to 18.35%
RequirementsPrimary business accounts connected to Quickbook for at least 6 months, 620+ credit score, $50,000+ revenue over past six months, no bankruptcies in past 2 years, not located in Nevada or Alaska.

Review by

Rhys Subitch is a personal finance editor at Bankrate and former loans editor at Finder, specializing in consumer and business lending. Rhys has nearly a decade of experience researching, editing, and writing for startups, Fortune 500 companies, universities and websites. They hold a BA in sociology and a certificate of editing from the University of Washington.

Expert review

QuickBooks Capital offers short-term loans to customers that already use its accounting service. It offers low rates that range from 2.61% to 18.35% APR. And its relatively low $50,000 revenue requirement and 620 credit score minimum could make it easier to qualify for a competitive deal with this lender than a bank.

If you need to fund a larger expense, QuickBooks also offers a connection service that can help you find a loan with a term as long as 10 years. But if you don’t already use QuickBooks, this might not be the right choice for you. You need to have an active QuickBooks account for at least six months to qualify for this loan.

How much will this loan cost me?

QuickBooks Capital loans come with rates from 2.61% to 18.35% APR — and there are no fees. You can borrow between $5,000 and $100,000 with terms as long as 12 months.

If you decide to take out a loan through the QuickBooks marketplace, those rates range from 9.99% to 32% APR, with terms as long as 10 years. Use the calculator below to see how much a QuickBooks Capital loan or marketplace loan might cost you.

Business loan calculator

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How it works

While QuickBooks considers factors like your revenue and credit score, it also relies on your accounting data to come up with your loan amount, terms and rates. Generally, you won’t be able to qualify for an amount and term that your revenue history doesn’t support.

Typically, the lowest rates, longest terms and highest loan amounts go to businesses that are profitable, make well above the $50,000 minimum revenue requirement and have owners with excellent credit scores of 760 or higher.

What do I need to qualify?

You and your business must meet the following requirements to qualify for this loan:

  • Personal credit score of at least 620
  • Annual revenue of at least $50,000 over the past 12 months
  • Primary business accounts connected with QuickBooks
  • At least six months of activity on QuickBooks account
  • Located in any state except Nevada or Alaska

What information do I need to apply?

You’ll need to have your QuickBooks login credentials to get started on the application. Once you’re in, it can help to have the following information on hand:

  • Business employer identification number or your Social Security number
  • Business location, phone number and email
  • Business revenue information, such as the previous year’s taxes
  • Personal information and identifying documents, such as a state-issued ID

What industries does QuickBooks Capital work with?

QuickBooks Capital doesn’t specifically exclude any industries from applying for a QuickBooks Capital loan. But if it doesn’t make sense for a business in your industry to use QuickBooks software, this loan isn’t right for you.

Pros and cons

QuickBooks Capital might not be a good choice for all businesses. Weigh the pros and cons before you decide to apply.


  • Low rates of 2.61% to 18.35%
  • No origination fee or prepayment penalties
  • No hard credit check
  • Marketplace for long-term loans


  • Weekly repayments
  • Short terms of up to 12 months
  • Not available in Nevada or Alaska

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Is QuickBooks Capital legit?

Yes, QuickBooks Capital loans are funded by the financing division of QuickBooks parent company, Intuit. It uses security software like Norton and Truste to protect your login credentials and QuickBooks accounts. And you can find its state lender licenses by clicking on the Legal link at the bottom of the QuickBooks Capital website.

QuickBooks Capital reviews and complaints

BBB accredited No
BBB rating A+
BBB customer reviews 298 out of 5 stars, based on 347 customer reviews
BBB customer complaints 1,670 customer complaints
Trustpilot Score 2 out of 5 stars, based on 57 customer reviews
Customer reviews verified as of 14 October 2020

Intuit, the company that owns QuickBooks Capital, gets mixed online reviews. But most have to do with the QuickBooks payroll system or customer service around website bugs, and not Capital, its lending brand.

Many complaints center on changes to QuickBooks, be it in pricing, billing style or the software itself. Some users also struggled with customer service. But generally, there’s little mention of QuickBooks Capital.

How do I apply?

You can apply online by following these steps. Or, call 800-556-9145.

  1. Go to the QuickBooks Capital website.
  2. Click Get started.
  3. Log in to your business’s QuickBooks account.
  4. Follow the directions to fill out the application.

What happens after I apply?

A member of the QuickBooks team will reach out to you if you need to provide any additional information. Otherwise, you should receive a decision in one to two business days. If you don’t hear back within three business days, follow up with QuickBooks online via email, live chat or phone.

How do repayments work

Once you’re approved, you’ll be able to set up repayments. To do this, select the loan amount you want, up to the max amount that you’re approved for. From there you’ll be directed to set up automatic repayments. Because you’ll be making weekly repayments, make sure you have enough money available in your account to avoid any potential processing issues.

Remember that QuickBooks Capital doesn’t have prepayment penalties. If you’re able to repay your loan early, doing so may cut down the overall cost, saving your business some cash.

Before you apply, compare other business loan options to make sure QuickBooks is the right choice for you.

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