Find your trade. We fund all of them.
Quick Funding Spot puts no restriction on the kind of business it will arrange funding for. These are the eight it sees most, what each one usually borrows for, and the programme that most often fits — a starting point, not a rule. Which programme a business actually qualifies for is the lender's decision once the application has been read.
-
Automotive
A lift, a diagnostic rig, a second bay. The two biggest cheques a workshop writes are both equipment.
Usually Equipment Financing
-
Construction
Paid on completion, but the crew is paid every week. The gap is the whole problem.
Usually Short-Term Business Loan
-
Healthcare
A chair, a scanner, a fit-out. Planned, costed, and worth knowing the repayment on before you commit.
Usually Term Loan
-
Manufacturing
Materials bought this month against orders paid for next. Volume makes the gap bigger, not smaller.
Usually Business Working Capital
-
Restaurants
Takings move with the week and the season, so the repayment should too.
Usually Business Cash Advance
-
Retail
Stock bought ahead of a season you cannot be certain of. Draw what you need, repay, draw again.
Usually Business Line of Credit
-
Transportation
A vehicle is the business. Financing it on the vehicle itself keeps the cash where it is working.
Usually Equipment Financing
-
Warehouse & logistics
Goods leave the building long before the invoices are settled. Working capital covers the distance.
Usually Business Working Capital
Not listed here does not mean not funded. The eight above are the trades this office sees most, not a list of what qualifies.
The six programmes
Every figure this site publishes about what it arranges, in one table. Amounts and terms are the range a programme is written across; where a business lands inside one is the lender's decision.
| Programme | Amount | Term | Cost | Funded in |
|---|---|---|---|---|
| Term Loan | $20,000 – $1,000,000 | 12 – 36 months | From 5.5% | 1 – 2 days |
| Business Line of Credit | $10,000 – $500,000 | Revolving | Not published | Same day once the line is open |
| Short-Term Business Loan | $10,000 – $500,000 | 3 – 18 months | Not published | 24 hours |
| Business Working Capital | $10,000 – $500,000 | 3 – 18 months | Not published | 24 – 48 hours |
| Equipment Financing | $10,000 – $1,000,000 | 12 – 60 months | From 4.5% | 1 – 3 days |
| Business Cash Advance | $10,000 – $500,000 | Follows revenue | Not published | Same day |
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 the cash advance 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.
- The cash advance is not priced in interest at all
- It is priced as a factor. A factor of 1.2 on $100,000 is $120,000 to repay whether it clears in six months or eighteen — paying it off early does not make it cheaper, which is the opposite of how the other five behave. The two numbers are not comparable and should not be compared.
- 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.
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 ask somebody first? (844) 236-2905.