Quickline Capital Partners

Small Business Loans

Working Capital You Need

Get the working capital loan you need to run the business you want with Quickline Capital Partners Small Business Loans.

Business loans stand out as one of the most adaptable forms of business financing accessible to owners in today’s market. Available in a wide range of sizes, they offer various payment options without any restrictions on the utilization of funds.

Whether you aim to expand your operations, sustain daily functions, or establish a financial safety net, Quickline is committed to tailoring a suitable loan product that caters to your unique business requirements.


  • N2+ Years in Business
  • N625+ FICO Credit Score
  • NMax Loan Amount $5,000,000
  • NApplicant Ownership 51% or more
  • N$250K Average Annual Revenue
  • NSame Day Approvals
  • NCompetitive Rates

Why A Business Loan?

Enhanced Flexibility

Quickline business loans provide the freedom to allocate funds as needed, in contrast to the limitations often imposed by conventional lenders and the SBA. Benefit from competitive rates and a diverse selection of terms and payment plans, empowering you to craft a loan product that precisely fits your business demands.

Cost Efficiency

Competitive rates may result in lower expenses compared to traditional bank loans, allowing you to retain more of your hard-earned revenue within your business account. Choose from a range of flexible payment terms, enabling you to create a payment plan that aligns with the fluctuating nature of your business revenue.

Efficient and Swift Process

We understand that time is a precious asset for small business owners. Therefore, our streamlined underwriting process demands minimal documentation for approval. Expect an accelerated underwriting process, with potential approval within as little as four hours. Additionally, you can access the funds in your bank account in less than three days, ensuring a swift and secure acquisition of the working capital you require.

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How To Apply

Applying for a line of credit through Quickline Capital is simple, taking only minutes to get started. Simply fill out our online application. Upon receipt of your application, your Account Executive will be in touch to review your info and request your most recent bank statements. Minutes after working with your rep you’ll know the credit line size for which you qualify and will walk you through the next steps.

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Who Should Use A Line Of Credit?

Quickline Capital lines of credit are available to businesses in virtually every industry and are useful when unexpected expenses arise.  Here are the industries that most frequently use our Line of Credit Program:

    • Business Services
    • General Contractors
    • Trucking
    • Retail
    • Plumbing & Electric

Frequently Asked Questions

Do I Qualify For A Line Of Credit?

Qualifying for a Line of Credit is not as difficult as you might think! Depending on the amount you are looking to secure, there are minimal criteria that you must meet (perfect credit not required!), including: You must have a personal credit score of at least 650 You must have established business credit Your business needs to have been operating for at least 2 years You need to have an average annual revenue of $180,000

Does a business line of credit impact my personal credit score?

In most cases, there will be a hard credit pull performed when you apply for a line of credit to determine your credit limit, so just applying can have a short-term negative impact on your credit score. In addition, line of credit lenders typically report to the three major credit bureaus, which can help to increase your score when payments are made on time. Finally, the amount of your revolving credit line that you use at any given time can have an impact on your credit utilization ratio (similar to the way a credit card would), which does count for 30% of your credit score in the current models used by FICO.

How does a business line of credit work?

A business line of credit works similarly to a credit card. You will be approved for a certain amount and you will be able to draw on and repay funds as many times as you wish, so long as you don’t exceed your credit limit.

How long do you have to pay back a line of credit?

Payment terms for a line of credit are very similar to those that you see with a credit card or other revolving credit options. You only pay the principal and interest on the part of the line that you’ve used. Once you’ve paid back what you’ve drawn, that amount is available for use again. Different from credit card payments, is that your payment schedule can be daily, weekly, or monthly (though, it usually falls under weekly or monthly payments), depending on the product you select.

How long does it take to get approved for a business line of credit?

Getting approved for a line of credit can be an extremely quick and painless process. As long as you have all your documentation ready to submit, you can get approved within 24 hours. Upon approval, you can expect to get access to your credit line, again, within 24 hours.

How large of a line of credit do I need?

Overall, the size of your credit line is dependent on what you plan to use the funds for, and only you can determine this amount. However, it’s important to remember that the size of the line that you would like to get and what you are approved for may be very different. When determining your credit line size, several factors are considered, which can include: 1. Your revenue 2. Your time in business 3. Your business and personal credit scores 4. Your industry Lines of credit arranged through Quickline can range from $10,000 to $250,000.

How is a business line of credit different from a business credit card?

There are a few major differences between a business line of credit and a business credit card. For starters, a standard business credit card functions similarly to a personal credit card, in that you can’t just draw cash directly from the card account into your operating account to cover an expense (i.e. you can’t use a business credit card to cover your payroll). When it comes to credit limits and terms, business credit card approval is mostly based on your personal credit score. A line of credit, on the other hand, offers more flexibility on approval amounts, typically has lower interest rates, and can be used to pull cash into your operating account to cover operational expenses or address seasonal revenue shortages. There are, however, more defined terms on a line of credit. While a business credit card will continue to revolve so long as you make the minimum payment, a line of credit must be paid back within the amount of time agreed upon with your lender and expires after an agreed period. Both credit cards and lines of credit have a credit limit that can’t be exceeded. If you’re trying to decide between a business line of credit or a business credit card, think about what expenses you are looking to get covered. If the expenses require cash-on-hand, then a business line of credit would be a better option for you. However, if the expenses can be covered with credit, you may prefer to go with a credit card.

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