Nontraditional unsecured financing based on your business’s cash flow.

  • Best for high-risk industries or business owners with bad credit
  • Pick something else if you can qualify for a traditional business loan


Max. Amount


Product Name QuickBridge small business loans
Max. Amount $500,000
Loan Term Up to 10 years
Min. Credit Score 500
Requirements 500+ personal credit score, $5,000+ bank account deposits in last 3 months

How much will this loan cost me?

QuickBridge business loans come with a fixed fee instead of interest. This fee typically ranges from between 10 and 20 cents for every dollar borrowed — though we weren’t able to confirm these numbers when we reached out in June 2020. You can borrow up to $500,000, with terms as long as .

Based on the lowest fee and longest term, these loans come with a starting cost equivalent to an APR that starts around 2%.

How it works

Loans that come with a flat fee instead of interest typically wrap the cost into your balance, rather than charging the fee upfront. Since there is no interest, going for a longer term can lower your repayments without making your loan more expensive. QuickBridge also offers a discount on the fee for repaying the loan early.

With QuickBridge your loan amount, rates and terms are generally based on your business’s cashflow rather than other traditional factors like industry or time in business. The more money your business brings in each month, the lower the fee and higher the loan amount your business can qualify for.

What do I need to qualify?

To qualify for a QuickBridge business loan, you generally must meet the following requirements:

  • At least three months with $5,000 in deposits to your business bank account
  • A credit score of 500 or higher

However, we were unable to confirm if these requirements still apply when we reached out in June 2020.

What information do I need to apply?

Have the following information on hand before you start the application.

  • Business and personal contact information
  • Gross annual revenue
  • Time in business
  • Social Security number

Most businesses only need to submit a state-issued ID and three months of your business’s most recent bank statements along with the completed application.

What industries does QuickBridge work with?

QuickBridge works with a wide range of industries — even some that traditional lenders might consider high risk. It has special lending programs for the following industries that might struggle to find funding elsewhere:

  • Construction and contracting
  • Farming
  • Food services
  • Health and wellness
  • Food services
  • Business services
  • Transportation and auto repair services

Pros and cons

QuickBridge could be a good choice if your business has struggled to get funding. Here are the benefits and drawbacks to consider.


  • Low cost for an alternative lender
  • Accepts credit scores starting at 500
  • High-risk industries accepted
  • Prepayment discount


  • May be more expensive
  • Potential daily or weekly repayments
  • Not transparent about costs online

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