FAQ

Application & approval

Check our FAQs for quick answers.
For personal assistance, call our hotline

How long does the funding process take?

Quick Access Capital can provide up to $2,000,000 with a simple one-page application
and a few months of bank statements. Final approval often takes just a few hours,
with funding typically occurring within 24-48 hours after terms are accepted.

Is there any obligation if I apply?

No. If you apply for funding from Quick Access Capital, there is no obligation to accept the loan offer. Your loan offer is valid for 30 days, at which time it expires.

How do I qualify for Quick Access Capital financing?

To qualify for funding from Quick Access Capital, your business should have the following
characteristics:

1. Minimum 6 months in business.
2. Minimum of $250,000 in annual revenue.
3. Minimum 550 personal credit score of the business owner.
4. Business checking account.

How are you different from a bank?

We understand that time is money for small businesses. Unlike banks, our application process is quick, easy, and transparent. Apply for all our financing products online in just 15 minutes and get a decision within 24 hours after submitting documents.

We also consider more than just your credit score, using technology and experienced underwriters to find terms that suit your business.

Comparisons & trust

Why choose us over traditional banks and lenders

Why should I choose Quick Access Capital over other lenders?

Quick Access Capital gives your business faster and more reliable funding than the average lender. We offer competitive rates, flexible repayment options, and a streamlined online process that gets you the capital you need without delays. Every client receives a dedicated account manager for personalized support, and you can compare multiple offers to secure the best funding solution for your business. If youʼre looking for transparent, efficient, and value-driven access to capital, we deliver exactly that.

Is my information secure when I apply online?

Yes. Your information is protected with advanced encryption and secure data handling practices. Quick Access Capital uses industry-standard security measures to safeguard your personal and business details throughout the entire application process. We do not share your information with unauthorized parties, and every submission is processed through secure, encrypted channels.

If you have any concerns, our team is always available to walk you through how
we keep your data safe.

Rates & fees

Understand our competitive rates and fees

What will my rate be?

We utilize a flat fee structure rather than traditional interest. This is a fixed amount agreed upon before you receive funds. The fee is negotiable and customized based on three main factors:

• Your industry type
• Your monthly cash flow
• Your credit score

How much is the application fee?

We never charge an upfront application fee. If someone asks for one, itʼs a scam and
should be reported immediately.

Credit & eligibility

Understanding what it takes to get funded

What kind of businesses do we help?

Weʼve helped thousands of American and Canadian businesses grow, create jobs, and stimulate local economies. We fund a variety of businesses, from veterinary clinics to pharmacies to cosmetics brands. However, we do not lend to certain industries like speculative real estate, nonprofits, gambling businesses, marijuana dispensaries, and pornography. Apply today to see if your business is eligible.

When will you check my credit score?

We conduct a soft credit inquiry after you agree to it in our application, which wonʼt impact your credit score or appear on reports obtained by other lenders. For most applicants, we only perform soft inquiries, but in some cases, a hard inquiry may be necessary.

For general partnerships, a hard pull of your personal credit report is required before submitting your application to our credit team.

Does Quick Access perform a hard or soft inquiry on my credit?

When determining eligibility, weʼll perform a soft credit check on the business ownerʼs personal credit.

What industries do you work with?

We work with more than 700 different kinds of businesses including restaurants, auto repair shops, healthcare professionals, contractors and many other service providers.

Repayment

Simple, manageable payment plans

How does the repayment work?

Quick Access Capital will deduct payments automatically from your business bank account on a daily or weekly basis, depending on what type of funding youʼre approved for.

Can I pay off my balance early?

Yes, you can. Quick Access Capital allows early payoff on most funding programs.
Paying off your balance early may reduce the total cost of capital, and in some cases, you may qualify for an early payoff discount. If you’re considering paying early, our team can provide a clear breakdown so you know exactly how much you can save.

FAQ

Application & approval

Comparisons & trust

Rates & fees

Credit & eligibility

Repayment

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