If your business is depositing $10K a month, you’re already fundable.
Credit scores tell a narrow story. QuicLoans looks at the full picture.
You’re here because your business is doing solid numbers, and you have a need. But your credit score isn’t where you want it to be and you're tired of getting declined for personal credit. Declines don't solve problems or extend deadlines.
QuicLoans takes a different approach. We're built around revenue-first lending. Your credit matters, but it’s just one piece of the puzzle.
We didn’t build our process specifically for bad credit. We built it to serve real businesses with real revenue, and that just happens to include a lot of owners with challenged credit.
If your business brings in $10,000 or more per month, we can likely help. We look at business performance, not personal history.
“Most small business owners don’t have perfect credit, but they do have consistent revenue and strong repayment behavior.” - U.S. Small Business Administration
We like good credit. It gets better rates. But we don’t need it to say yes. It’s not even the first thing we look at. Revenue and time in business matter more.
Banks and traditional lenders are built to minimize risk. That means they need your credit to be clean, your paperwork to be spotless, and your timeline to be flexible.
If you’ve got a 700+ credit score, full financials, and all the time in the world, they’re a fine option.
But most business owners aren’t walking in with perfect paperwork and months to wait. They’re walking in with urgency, and corporate banking isn't designed for main street needs.
“Nearly 80% of business loan applicants with a credit score below 660 are denied by traditional banks.” - Federal Reserve Small Business Credit Survey
That’s it. No personal collateral. No long waits. Just a clear, fast path to funding.
We’ve helped business owners who were turned down elsewhere get funding when it counted most.
Restaurants bouncing back from a tough month. Contractors in the middle of a big build. Medical practices getting slow paid by insurance. These aren’t edge cases in the real world, they’re our daily clients.
If your business is depositing money, we’re ready to talk.
We know what it’s like to be judged by a credit score. We also know that’s not the full story.
If your business is performing, you deserve funding that reflects that. You deserve speed, transparency, and real answers, fast.
We’re built for strong businesses, not strong credit.
Apply Now
Takes just a few minutes. No impact to your credit. Nothing standing in your way.
Since 2009
To SMB's
Funded across the U.S.
Answers about speed, requirements, and how funding really works.
Yes. If your business brings in $10,000 or more per month, has been operating for at least 3 months, and you have a FICO score of 450 or higher, we can likely help. We look at your business performance, not just your credit.
We work with business owners who have FICO scores as low as 450. Below that, funding becomes extremely difficult. We can still review your situation if other strengths are present.
No. There’s no hard credit pull to apply. We use a soft inquiry to assess your eligibility, which has no impact on your credit score.
Absolutely. Many of our clients come to us after being turned down elsewhere. If your business has steady revenue and meets our minimums, we’re built to say yes when others can’t.
To qualify, you’ll need at least 3 months in business, $10,000 or more in monthly business checking deposits, a FICO score of 450+, U.S. citizenship, and a U.S.-based business checking account.
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.
Learn more →Delayed insurance payouts? High overhead? You’re not alone — here’s how clinics keep growing anyway.
Learn more →