# QuickBooks Capital Reviews **Vendor:** Intuit **Category:** [Loan Origination Software](https://www.g2.com/categories/loan-origination) **Average Rating:** 4.3/5.0 **Total Reviews:** 28 ## 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. | Procurement Support Specialist, 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. - [View QuickBooks Capital pricing details and edition comparison](https://www.g2.com/products/quickbooks-capital/reviews/quickbooks-capital-review-12875629?section=pricing&secure%5Bexpires_at%5D=2026-05-27+02%3A07%3A47+-0500&secure%5Bsession_id%5D=f4606f74-9901-40bf-a4fd-44d2791b30c6&secure%5Btoken%5D=308d51cc8a94bdc91c22a1fb4e3e11a6c8dfa7b5582a0a59b37e4856ba1e427c&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)