When the need is urgent, the process is everything.
A payment’s due. An opportunity opened. Something broke. Nobody applies for a business loan by accident or as an afterthought. You apply with purpose.
In that moment, speed isn’t optional. It’s a necessary part of your plan. Speed lets you move when it counts.
Banks aren’t built for that. They’re built to manage risk, not to move quickly. And for most small businesses, that gap is a dealbreaker. Sometimes, it's a backbreaker too.
That’s what sets QuicLoans apart.
Their minimum requirements alone stop most businesses cold. 700+ credit, steadily growing revenues, two years time in business minimum, and spotless, extensive financial records are just the starting point. And all these minimums earn you is the right to wait for them to begin considering you.
From there it’s questions, follow-ups, and back-and-forth. Additional document requests both personal and corporate. A process that’s not measured in hours or days, but often weeks and sometimes months.
“Business loan applications at traditional banks take an average of 26 days to process.” — Federal Reserve Small Business Credit Survey
A month later, when their decision shows up, the need or opportunity has often passed. Damage may already have been done.
Even when the bank says yes, it's on terms that work for them. Personal collateral. Limits on how funds are used. Detailed accounting. Endless entanglements. It's a structure designed to protect their downside.
That's probably not what you set out for. You needed a fast process so you could take immediate action. What you got was a loan, and a process, that didn't match the moment.
We're not anti-bank. They serve a purpose. But they're not built for speed. Banks lend at near government borrowing rates, and to do that, they pile on collateral, conditions, and delays. It isn't lending built to help you. It’s lending built to make sure they never lose.
Business can’t wait 26 days for answers. So we deliver in hours.
We’ve helped thousands of business owners get fast, flexible funding without the friction. No drawn-out paperwork. No confusing process. No curveballs.
Everything we do is built around one thing: getting you funded quickly. It’s what you thought the banks did.
We’re built to say yes, quickly, to real businesses with real needs.
Our process is simple. Our requirements are clear. Our team moves fast because we’ve seen what happens when money shows up too late.
You don’t need immaculate credit. You don’t need to pledge your house. You need funding that fits your timeline, not theirs.
We don’t ask for perfection. Here’s what we look for:
That’s it. No stacks of paperwork. If you're running a business and need capital quickly, we’re here to move.
Chances are you're already on the clock.
Most lenders can't handle that. They haven't been there, and they don't want that pressure. They didn’t build their process to meet your needs.
You need capital and clarity today.
We’re ready when you are.
Apply Now
It takes just a few minutes.
Since 2009
To SMB's
Funded across the U.S.
Answers about speed, requirements, and how funding really works.
Banks are built for risk management, not speed. Their process includes layered approvals, documentation requests, and internal reviews, which can take weeks even if you're fully qualified.
Most applicants receive a decision the same day. If you qualify and accept your offer, funds can be sent out as quickly as that same day.
We work with business owners starting at a 450 FICO score, and no collateral is required. Good credit helps with rates, but it’s not a dealbreaker. We approve businesses, not people, so personal credit is just one part of the bigger picture.
Our loans are built to help businesses move forward, not hold them back. Rates are typically lower than a credit card, and higher than a bank.
We’re built for speed. That means faster decisions, less paperwork, and a process that respects your time.
To solve the problems you're facing.
Understand what “24-hour funding” really means — and how to move fast without getting burned.
Learn more →We’ve answered 800+ questions from people just like you. Scroll the archive or find your edge.
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