# QuickBooks Capital Reviews **Vendor:** Intuit **Category:** [Loan Origination Software](https://www.g2.com/categories/loan-origination) **Average Rating:** 4.3/5.0 **Total Reviews:** 27 ## About QuickBooks Capital QuickBooks Capital is a capital funding platform that offers term loans and lines of credit directly in QuickBooks\* and additional options, such as SBA 7(a) loans, through select partners. -Fast Access: Get funded in days with no impact on your personal credit score to apply for most loans. -Underwriting on your business data: Your QuickBooks data can be used to see the full picture of your business and trajectory. -No Surprises: Transparent pricing and no hidden fees. Interest and fees may apply. QuickBooks Capital leverages existing QuickBooks financial data to streamline loan applications, reduce time to decision and funding, and provide access to even more options through a network of trusted lending partners - all with transparent pricing and no hidden fees. Interest and fees may apply. \*QuickBooks Term Loan and QuickBooks Line of Credit loans are issued by WebBank ## QuickBooks Capital Reviews ### 1. Fast, Document-Free Business Loans with QB Capital **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Business Supplies and Equipment | Small-Business (50 or fewer emp.) **Reviewed Date:** May 04, 2026 **What do you like best about QuickBooks Capital?** I really like how easy the approval process is: no documents, just a few questions, and BAM!! You’ve got a business loan to help you build and expand your business. Funds are transferred directly to your account in as little as 24 hrs. **What do you dislike about QuickBooks Capital?** So far, I have only good things to say about QB Capital. They’ve been a great partner, and my experience with them has been very positive. **What problems is QuickBooks Capital solving and how is that benefiting you?** Before having QB Capital, we struggled to secure large contracts, which strained our cash flow, and they often required 30-90-day terms and new, specialized equipment to do business. Now, business just flows. We have lines of credit, credit cards, and term loans at our disposal, and we can also access loans based on specific customer invoices. The freedom to do business is what QB Capital provides for us, helping us lock in 30% year-over-year growth. ### 2. Effortless Capital Access with Seamless Accounting Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Richard B. | Small-Business (50 or fewer emp.) **Reviewed Date:** April 20, 2026 **What do you like best about QuickBooks Capital?** I like that QuickBooks Capital is connected to my QuickBooks, which I use for my accounting services. The ease of use is great, and it's very fast. I think their terms have been very fair as well. They have been wonderful to work with, super easy, and quick. If I've ever had a question, they're very accessible to reach. I appreciate the integration they have with my payroll service, which makes my bookkeeping more cost-effective and actually more accurate. It's super easy to set up and use. QuickBooks' reputation is outstanding, and I can trust in the quality that I'm going to receive. I think they do a great job for lending purposes. **What do you dislike about QuickBooks Capital?** Nothing **What problems is QuickBooks Capital solving and how is that benefiting you?** I use QuickBooks Capital for startup cash and cash flow, especially for payroll and equipment. It offers easy accessibility and connects with my QuickBooks for accounting, streamlining operations. It provides credits for emergencies and integrates with my payroll, making finances straightforward and efficient. ### 3. Flexible, Generous, and Startup-Friendly **Rating:** 5.0/5.0 stars **Reviewed by:** Michael H. | Small-Business (50 or fewer emp.) **Reviewed Date:** April 20, 2026 **What do you like best about QuickBooks Capital?** I use QuickBooks Capital for working capital for my business. I like that they are flexible on qualifications and generous on the amounts they provide. The easy and affordable term loans and lines of credit are perfect for new businesses like mine. Capital from QuickBooks Capital helps to ease cash flow when clients' payment terms slow revenue. Being able to pull from a Line of Credit is extremely helpful to close gaps. The repayment is automatic, which makes it easy, so I don't have another thing to manage, and I can see it all in my QuickBooks software. They constantly evaluate your Line of Credit for increases without request, extending LOCs that increase with review is great. The autopay feature and alerts about payments added value not only in the capital available but also in time saved. QuickBooks Capital invited me to apply for my initial capital loan, making the initial setup very easy. **What do you dislike about QuickBooks Capital?** I would love to be able to consolidate repayment of LOC draws. If you have to take smaller increments of funds, they are all repaid separately which is more interest. It would be helpful if after the latest draw has been repaid for 2 months, an option to consolidate all outstanding LOC draw payments into a single larger payment. **What problems is QuickBooks Capital solving and how is that benefiting you?** I use QuickBooks Capital for business working capital. It eases cashflow issues when client payments are delayed. The flexibility, generous amounts, automatic repayment, and credit line increases save time and manage finances effectively. ### 4. Quick, Easy Funding with Seamless QuickBooks Loan Tracking **Rating:** 5.0/5.0 stars **Reviewed by:** Jennifer H. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** April 13, 2026 **What do you like best about QuickBooks Capital?** Quick and easy application process. Fast funding. Reasonable rates. The payments are automatically drafted with good email reminders. The lending app in QuickBooks makes it easy to see what loans are active, payment amounts, and pay off balances. **What do you dislike about QuickBooks Capital?** I have not found anything I dislike. Maybe even lower rates? Everyone wants that! **What problems is QuickBooks Capital solving and how is that benefiting you?** Our business is cyclical and we can have cash flow constraints during the slower months. Having a line of credit readily accessible has helped us make payroll and cover other expenses when things were tight. Longer term loans allowed us to expand quickly, covering needed costs of opening a second location. ### 5. Quick and Facilitator, But the Cost is High **Rating:** 5.0/5.0 stars **Reviewed by:** Marcelo C. | Small-Business (50 or fewer emp.) **Reviewed Date:** April 13, 2026 **What do you like best about QuickBooks Capital?** I like the ease of obtaining money within 24 hours and that it does not impact my credit report when they require my social security number. I don't have to go to the bank because QuickBooks Capital already knows the movement of my company and my account statements. **What do you dislike about QuickBooks Capital?** What affects me the most is the high interest rate. We are talking about 30 to 34 percent annually, which is high. I think in my case the principal should be adjusted to values below 20 percent for this type of loan. **What problems is QuickBooks Capital solving and how is that benefiting you?** QuickBooks Capital makes it easy for me to know that I have additional capital to enter into businesses, buy merchandise, or pay for insurance. The ease of obtaining money within 24 hours without impacting my credit report is a great advantage. ### 6. Streamlined Accounting with Room for Integration Improvement **Rating:** 4.0/5.0 stars **Reviewed by:** Jim P. | Movement for Life LLC, Small-Business (50 or fewer emp.) **Reviewed Date:** April 20, 2026 **What do you like best about QuickBooks Capital?** I use QuickBooks Capital for my business, Movement for Life, and it helps me organize my income and business expenses. I like that QuickBooks Capital makes me feel like I'm current with technology and have the best available tools to help my business. The accounting tab stands out to me because it easily pulls up my statements and credit cards attached to QuickBooks for easy reconciliation. The initial setup was very easy; I just had to download it and put in my data. **What do you dislike about QuickBooks Capital?** The communication between QuickBooks Capital and TurboTax needs to improve. The first year I did my taxes easily through QuickBooks, but the second year through TurboTax wasn't smooth. **What problems is QuickBooks Capital solving and how is that benefiting you?** QuickBooks Capital helps me organize my income and business expenses efficiently. ### 7. Fast Financing, Seamless QuickBooks Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Milton G. | Small-Business (50 or fewer emp.) **Reviewed Date:** April 27, 2026 **What do you like best about QuickBooks Capital?** I use QuickBooks Capital for business expenses and improvement. I like the fast financing and how well it's connected to the QuickBooks platform, making it easy to keep track and follow progress for payments. It saves me time, and the initial setup was easy. **What do you dislike about QuickBooks Capital?** It would be better if I would have the option to choose paying back every week or every other week. **What problems is QuickBooks Capital solving and how is that benefiting you?** I use QuickBooks Capital to invest in new equipment for my business, benefiting from fast financing. Its connection to the QuickBooks platform saves me time by making it easy to track and follow progress for payments. ### 8. Simple Process, Excellent Rates—Best Funding Platform I’ve Used **Rating:** 5.0/5.0 stars **Reviewed by:** IPG M. | Chief Commercial Officer, Small-Business (50 or fewer emp.) **Reviewed Date:** May 11, 2026 **What do you like best about QuickBooks Capital?** Simple process. Excellent Rate. Highly Recommend. **What do you dislike about QuickBooks Capital?** Nothing to mention. I have worked with several funding platforms and by far the best one. **What problems is QuickBooks Capital solving and how is that benefiting you?** Cash Flow. That is important to a small business like mine and beiung able to pay it back as I go is important. ### 9. Easy to Apply, Fair Rates, and a Lender You Can Trust! **Rating:** 5.0/5.0 stars **Reviewed by:** Raul K. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** April 13, 2026 **What do you like best about QuickBooks Capital?** It is extremely easy to apply, use, and very fair rates. I feel I can fully trust them as a lender. **What do you dislike about QuickBooks Capital?** It takes a few days for the capital to hit your bank account, that is the only thing I can say I don't like. **What problems is QuickBooks Capital solving and how is that benefiting you?** It alleviates my cashflow struggles when I need it most. ### 10. Easy Application, Quick Approval **Rating:** 4.0/5.0 stars **Reviewed by:** Grant L. | CEO and Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** May 04, 2026 **What do you like best about QuickBooks Capital?** I liked that the application process with QuickBooks Capital was easy. I filled in the form and the approval was quick. It was really helpful to get capital when I needed it. **What do you dislike about QuickBooks Capital?** It would be good to be able to get a renewal during the term of the loan. **What problems is QuickBooks Capital solving and how is that benefiting you?** I got capital when I needed it, and the application process was easy with quick approval. ### 11. Seamless Financial Management with QuickBooks Capital **Rating:** 5.0/5.0 stars **Reviewed by:** Giuseppe A. | CEO , Small-Business (50 or fewer emp.) **Reviewed Date:** March 31, 2026 **What do you like best about QuickBooks Capital?** I find QuickBooks Capital very easy to apply and use, which makes managing our business operations simpler. The fair rates are also a plus, and I really like how it syncs effortlessly with my QuickBooks. The initial setup was very easy, which was a big relief. **What do you dislike about QuickBooks Capital?** Could have Better rates and longer terms **What problems is QuickBooks Capital solving and how is that benefiting you?** QuickBooks Capital mainly helps with cash flow. It's very easy to apply and use, offers fair rates, and syncs seamlessly with QuickBooks. ### 12. Fast, easy and automated payments with QuickBooks! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Health, Wellness and Fitness | Small-Business (50 or fewer emp.) **Reviewed Date:** April 27, 2026 **What do you like best about QuickBooks Capital?** it is fast and easy. Quickbooks takes care of everything. You don't even have to remember to pay, they have direct debit. **What do you dislike about QuickBooks Capital?** It is a little hard to find where to go on the site to be able to find capital but once you see it, it's easy **What problems is QuickBooks Capital solving and how is that benefiting you?** I needed capital for my company. QuickBooks delivered. ### 13. Great for first loan and was impressed, 2nd loan offer was a joke. **Rating:** 1.0/5.0 stars **Reviewed by:** G J. | Small-Business (50 or fewer emp.) **Reviewed Date:** January 31, 2024 **What do you like best about QuickBooks Capital?** ORIGINALLY, easy to apply and the terms they offered were excellent, but they flipped the script on me! No bueno. **What do you dislike about QuickBooks Capital?** The first loan I applied for was in early 2023 and I applied for much less than what they offered. I applied for 100k and they offered me up 150k at a 10,25% interest! Those are pretty amazing terms given the interest rates right now. I thought this is amazing and I will be using this regularly. About 6 months after I took the full 150k I paid it back in full, with a 103k payment. A couple months later I applied again (keep in mind I have a 780+ credit score, very low credit use ratio, and our business has been in quickbooks for 8 years with no adverse changes), they approved me again, no surprise.....BUT this time it was for 90k and my interst rate went from 10.25%to 24%. OK, so I thought maybe it was a glitch, and so I waited and applied a couple more times and made sure my credit was the same and my quickbooks was updated. NOPE, they approved me for the same amount and when I called customer service they simply said, "we look at multiple factors, and thats what we can offer you." Great, I am so glad they reward long time customers who use their services repsonsibly! WONT BE USING THEM EVER AGAIN AS THIS IS A BACKWARDS WAY OF SERVING YOUR CUSTOMERS AND TOUTING SUCH A GREAT PROGRAM. Unfortunately given how long of a customer I have been I will be sticking with their softare for the time being. Super dissappointed in quickbooks. Just when you think youve found a bank that does things differently, you snap back to reality and realize they dont give a s*** about you and your satisfaction. Oh and BTW, they sent me a letter stating why I wasnt approved for more than that. They stated, "borrower credit history not strong enough." LOL OK QUICKBOOKS. **What problems is QuickBooks Capital solving and how is that benefiting you?** NADA ### 14. GET RAISED YOUR BUISNESS!! **Rating:** 4.5/5.0 stars **Reviewed by:** Himanshu G. | Claims Approver, Small-Business (50 or fewer emp.) **Reviewed Date:** February 13, 2024 **What do you like best about QuickBooks Capital?** QuickBooks is an official site which offers a buisness loans for months with a short amount of interests. They provides a loan in very short time period which really helps to get money hassle-freely which makes it more appropriate for buisness development. They provide a loan up to 2 lakhs which is a huge amount for developing a buisness which can really make a huge help. It's only takes a proper buisness document with a short form which is required for the approval of loan. This approval after confirmation makes you to take buisness funds on a intrest they offers . **What do you dislike about QuickBooks Capital?** Sometimes the rate of interest offered by them is not less then the market offering us. Otherwise the software is much smoother and the coustomer support team is much better than expected. They makes QuickBooks very easy to use with its lots of features. **What problems is QuickBooks Capital solving and how is that benefiting you?** They provide a sweet software which allows to track all clients which helps to manage the buisness very easily. Also the fundings always helps us to manage and elaborate the business very easily with such a polite manner. ### 15. QuickBooks Capital can provide fast access to funds **Rating:** 4.0/5.0 stars **Reviewed by:** shubham b. | ACCOUNTS EXECUTIVE, Accounting, Mid-Market (51-1000 emp.) **Reviewed Date:** May 09, 2024 **What do you like best about QuickBooks Capital?** QuickBooks Capital typically offers transparent pricing with no hidden fees. This helps businesses understand the true cost of borrowing **What do you dislike about QuickBooks Capital?** While QuickBooks Capital can be Only helpful for smaller financing needs, businesses **What problems is QuickBooks Capital solving and how is that benefiting you?** hey usually offer flexible repayment terms, tailored to the needs of small businesses. This can include options like fixed monthly payments or a percentage ### 16. Financing Solution **Rating:** 4.0/5.0 stars **Reviewed by:** Aditi G. | Consulting Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** December 29, 2023 **What do you like best about QuickBooks Capital?** Its super easy and Hasslefree to get funds or financing if you are a Quickbooks customer since it is integrated to your Quickbooks accounting tool and pick most of financial information from there itself. **What do you dislike about QuickBooks Capital?** Its search option is not upto the mark and also long term feature is not available **What problems is QuickBooks Capital solving and how is that benefiting you?** Hassle-free financing option for the business is available with smooth process. Also my company was purchasing and financing offline earlier but now with this tool evrything is integrated and easy. ### 17. Trusted online accounting software for small business owners! **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Banking | Small-Business (50 or fewer emp.) **Reviewed Date:** December 28, 2023 **What do you like best about QuickBooks Capital?** I like the user-friendly navigation and functionalitiesat QuickBooks Capital. I can manage all my small business accounting requirements through different modules at this online tool and can get the snapshot for all the transactions easily. All the support is available if required for implentation and set up. **What do you dislike about QuickBooks Capital?** Nothing, I like it very much so far for accounting! **What problems is QuickBooks Capital solving and how is that benefiting you?** My business is more than 3 years old. Currentlyusing QuickBooks Capital applying loans and accounting. ### 18. Seamless Funding Experience with QuickBooks Capital **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Marketing and Advertising | Small-Business (50 or fewer emp.) **Reviewed Date:** December 28, 2023 **What do you like best about QuickBooks Capital?** The application process with QuickBooks Capital was incredibly straightforward. The platform guided me through each step, and the questions were clear and concise. This made the entire application experience efficient and user-friendly. **What do you dislike about QuickBooks Capital?** QuickBooks Capital may not be the ideal solution for businesses seeking large or long-term loans. The available loan options might be more suitable for smaller, short-term financing needs. **What problems is QuickBooks Capital solving and how is that benefiting you?** One of the standout features of QuickBooks Capital is the speed at which they operate. I received approval for my business loan quickly, and the funds were deposited into my account faster than I anticipated. This efficiency was crucial for addressing immediate business needs. ### 19. QuickBooks Capital **Rating:** 5.0/5.0 stars **Reviewed by:** Ieshia G. | Small-Business (50 or fewer emp.) **Reviewed Date:** December 28, 2023 **What do you like best about QuickBooks Capital?** The upside about quickbooks captial is you are able to get business loans. And also the website is very ease of use, ease of implementation and customer support. **What do you dislike about QuickBooks Capital?** I dislike about quickbooks is that the fees. **What problems is QuickBooks Capital solving and how is that benefiting you?** They solve all problems in there quickiest manner. ### 20. Expected a better experience. **Rating:** 1.0/5.0 stars **Reviewed by:** Christy R. | Chief Operating Officer, Small-Business (50 or fewer emp.) **Reviewed Date:** August 02, 2023 **What do you like best about QuickBooks Capital?** Easy to navigate to. I would not recommend this to anyone. **What do you dislike about QuickBooks Capital?** As a new business, QuickBooks has more information about our company than others. It seems like it would be easy to extend a small line of credit to help us build our credir. However "You aren't currently eligible for a Quickbooks Term Loan." **What problems is QuickBooks Capital solving and how is that benefiting you?** Line of credit to assist with cash flow when invoices are overdue. I haven't realized the benefits. ### 21. Overall a good experience specially for sending purchase orders **Rating:** 4.0/5.0 stars **Reviewed by:** Ray A. | Purchasing Manager, Retail, Small-Business (50 or fewer emp.) **Reviewed Date:** July 10, 2023 **What do you like best about QuickBooks Capital?** I look after my company's purchasing department, so adding new vendors and sending purchase orders is easy. Further, my finance team is also pleased to use quickbooks for accounting purposes and sending estimates to our clients **What do you dislike about QuickBooks Capital?** The search option is not up to the standard as I can find suppliers from the search option, but the vendor never appears by searching item or product. Sometimes we need to search the part number to find the exact vendor. **What problems is QuickBooks Capital solving and how is that benefiting you?** I always used to make offline purchase orders in Microsoft excel, but QuickBooks helped me manage my vendors and the invoices. I can access and find out all my vendor lists from QuickBooks now ### 22. Very useful for purchasing purpose **Rating:** 4.0/5.0 stars **Reviewed by:** Roy R. | Small-Business (50 or fewer emp.) **Reviewed Date:** July 21, 2023 **What do you like best about QuickBooks Capital?** The best feature about quickbooks is that all of my vendors are saved in one portal, it is very easy to find and search current vendors. Overall very useful for purchasing **What do you dislike about QuickBooks Capital?** There is no option to search Item No in the quick books, sometime I need to search which product I purchased recently but the search history does not support the item no **What problems is QuickBooks Capital solving and how is that benefiting you?** Managing my vendor list was always a problem for me but since I started using quickbooks now I have managed all the vendors in one portal. I am super excited to use quickbooks portal as a purchaser of my company ### 23. Okay but not great **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** December 28, 2023 **What do you like best about QuickBooks Capital?** Has options and it works but has some loading issues. **What do you dislike about QuickBooks Capital?** Very slow to load the first time you sign in and has to many different things that you can sign it on from one thing. **What problems is QuickBooks Capital solving and how is that benefiting you?** Puts multiple offers in one place ### 24. Bien **Rating:** 5.0/5.0 stars **Reviewed by:** Marie the Q. | Small-Business (50 or fewer emp.) **Reviewed Date:** April 20, 2023 **What do you like best about QuickBooks Capital?** This is excellent for tracking invoices, expenses, and the POs that are created. Very easy to use. **What do you dislike about QuickBooks Capital?** It is often slow to open and to enter the codes. It has already happened (rarely, but it has happened) that for some reason recent POs or invoices disappear. **What problems is QuickBooks Capital solving and how is that benefiting you?** They allow the creation of invoices, to make a copy of these invoices to modify them later. They enable the generation of reports on expenses and gains based on the requested period. ### 25. Easy platform for obtaining loan **Rating:** 4.0/5.0 stars **Reviewed by:** Hafiz R. | Financial Controller, Small-Business (50 or fewer emp.) **Reviewed Date:** March 02, 2023 **What do you like best about QuickBooks Capital?** As we were already using quickbooks so it was easy and fast process for us to get our loan approved. They picked our business position directly from quickbooks and asked for very few additional documents. So it was fast approval process for us **What do you dislike about QuickBooks Capital?** Nothing as the process was very smooth for us. We met the credit score requirement which I believe was at a higher side **What problems is QuickBooks Capital solving and how is that benefiting you?** We needed funds to finance a project and that funding was granted through Quickbooks capital. It was a smooth process for us ### 26. awesome **Rating:** 5.0/5.0 stars **Reviewed by:** Maria Alejandra R. | Virtual Assistant, Small-Business (50 or fewer emp.) **Reviewed Date:** March 16, 2023 **What do you like best about QuickBooks Capital?** its a perfect tool to make you accounting **What do you dislike about QuickBooks Capital?** it would be good having a desktock program **What problems is QuickBooks Capital solving and how is that benefiting you?** its perfect to log all your accounting a have control about all your finances ### 27. QuickBooks Capital is a great funding service . **Rating:** 4.0/5.0 stars **Reviewed by:** Mani Ratanam G. | Senior Accounts Executive, Mid-Market (51-1000 emp.) **Reviewed Date:** October 22, 2022 **What do you like best about QuickBooks Capital?** Streamlined Application Process & no extra fees for quick books loan. **What do you dislike about QuickBooks Capital?** Not available in all states & no long term option. **What problems is QuickBooks Capital solving and how is that benefiting you?** QuickBooks Capital allows you to quickly and easily apply for funding by using the financial and banking information that already exists within your QuickBooks account. - [View QuickBooks Capital pricing details and edition comparison](https://www.g2.com/products/quickbooks-capital/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-18+14%3A57%3A52+-0500&secure%5Bsession_id%5D=1a687854-61de-4b5e-a9be-c68f90f5bbff&secure%5Btoken%5D=7cdc5fafa798b5dcf5cd9bcbdbe912a44198d7920f1be06c381096f8431a217a&format=llm_user) ## QuickBooks Capital Integrations - [QuickBooks Online](https://www.g2.com/products/quickbooks-online/reviews) ## QuickBooks Capital Features **Agentic AI - Loan Origination** - Autonomous Task Execution - Multi-step Planning - Cross-system Integration - Adaptive Learning - Proactive Assistance - Decision Making ## Top QuickBooks Capital Alternatives - [LendingPad](https://www.g2.com/products/lendingpad/reviews) - 4.7/5.0 (166 reviews) - [CloudBankin](https://www.g2.com/products/cloudbankin/reviews) - 5.0/5.0 (123 reviews) - [Finflux](https://www.g2.com/products/m2p-fintech-finflux/reviews) - 4.6/5.0 (104 reviews)