Business Financing · Direct Lending · All 50 States
Direct Business Financing. Built for Every Stage.
Takes 3 minutes · No pressure · Direct access to capital
What We Offer
Whether you need to consolidate debt, access revolving capital, or build a long-term facility — we have a structure designed for exactly where your business is right now.
Who We Work With
Qualification Guidelines
General qualification guidelines by product. Every file is reviewed individually by our underwriting team.
Most of our capital structures are accessible starting at a 600 credit score. We evaluate your full financial profile, not just a number. Pre-qualification has zero impact on your credit.
Most products are available to businesses operating for 6 months or more. Longer operating history unlocks access to larger facilities and better terms. Every file is reviewed on its own merits.
We work with businesses generating $10,000 or more in average monthly revenue. As your revenue grows, so does your access to larger capital facilities and more favorable structures.
An active business checking account is required for all products. This allows our team to verify cash flow history and ensures capital reaches you quickly upon approval.
Own a primary residence, rental property, investment property, or commercial real estate? You may already have access to significant capital. We lend up to 90% of your property value with terms up to 30 years.
QF Capital serves businesses in all 50 states. Self-employed owners and operator-run businesses are welcome. We verify income through bank statements, giving more businesses a real path to funding.
These are general guidelines only. Every file is reviewed individually — businesses that don't meet standard requirements may still qualify based on overall financial profile, equity, or other factors. When in doubt, apply and let our team make the determination.
Check My Eligibility →The Process
FAQ
Client Results
I had multiple MCA positions stacked on top of each other, bleeding my account dry every single day. QF Capital consolidated every position into one structured monthly payment at a fraction of what I was paying. My cash flow completely changed within the first month. This is the partner I needed from day one.
As a healthcare practice owner I could never get the right terms from a bank. QF Capital verified my income through bank statements, had a structure on the table within 24 hours, and funded us in days. The rate was far better than anything we had ever been offered. Completely changed how we operate.
Running a restaurant means cash flow is everything. QF Capital structured a revolving line of credit that gave us access to capital when we needed it without the daily pulls killing us every morning. We finally have breathing room to grow instead of just survive.
Get Started
Whether you're doing $50K or $1M+ a month, there's a structure built for your stage. Our team will reach out within 24 hours with a capital structure built around your business.