How it works
Three steps, and what each one actually involves.
Applying is fifteen minutes of questions, not thirty seconds. Knowing that before you start is the difference between finishing the form and abandoning it halfway.
Step 01
Fill in the application
About fifteen minutes, across six screens: what the business is, how long it has traded, what it takes, and what the money is for. No documents are needed to start and nothing is payable. It is a soft credit inquiry and leaves no mark on the owner's score.
Step 02
A specialist reads what comes back
The application goes to 75+ lending partners and a funding specialist goes through the offers with you — what each one costs, what it asks for, and which are worth taking forward. There is no obligation to take any of them.
Step 03
The money arrives
Once an offer is accepted the funds go to the business account. Same day on two of the six programmes, one to three days on the others; the programme decides, not the paperwork.
Said out loud
What this site does not publish
Two of the six programmes publish a starting rate. Four do not, and rather than leave a blank column or invent a figure, here is exactly what is and is not known before you apply.
- The two that publish a rate
- The term loan starts at 5.5% and equipment financing at 4.5%. Those are floors, not quotes: the rate a business is actually offered depends on its revenue, its time trading and its credit file.
- The four that do not
- The line of credit, the short-term loan, working capital and revenue-based funding publish no rate anywhere on this site. Asking for one before applying is reasonable and the answer will be a range; the figure only becomes real once a lender has read the application.
- What is certain about the cost of applying
- Nothing. There is no application fee, no processing fee and nothing payable to Quick Funding Spot at any point. The application is a soft credit inquiry and does not affect the business owner's score; if an offer is taken forward, the lender may run a hard pull at that stage.
The application
Apply
About fifteen minutes, across six screens. No fee, no obligation, and no mark on the owner's credit score. One application reaches every lender in the network at once.
Rather talk to somebody first? (844) 236-2905.
