Quartz Capital started with a simple frustration: getting a straight answer about business funding was nearly impossible. Confusing terms, hidden fees, weeks of waiting. We set out to make capital fast, fair, and crystal clear.
Quartz Capital began in a shared Austin workspace with a single belief: an owner should be able to understand exactly what a funding offer costs before they sign it. No jargon, no buried fees, no weeks of silence.
Today that same team has grown into advisors, underwriters, and engineers who deploy capital across 16+ industries — but the promise hasn't changed. Clear funding, fast, from people who treat your business like the expert in the room.
To put fast, transparent working capital within reach of every small business — so that a great idea or a busy season is never held back by a slow, opaque lending process. We measure success by how clearly our customers understand exactly what they're getting.
A funding marketplace where every owner sees the real cost up front, gets matched to the right product in minutes, and is treated like the expert on their own business. No jargon, no runaround — just capital that moves at the speed of opportunity.
Every rate, fee, and term is spelled out plainly before you sign. If we can't explain it simply, we won't offer it.
We move fast because your business can't wait — but never at the cost of putting you in the wrong product.
You know your business better than any algorithm. We underwrite the whole picture, not just a single score.
Bank-level security and a 90% renewal rate. We keep customers by doing right by them, again and again.
Operators and lenders who've sat on both sides of the table.
Former small-business banker who spent 14 years watching good companies wait too long for a yes. She founded Quartz to fix it.
Fintech operator who built underwriting teams at two national lenders. Obsessed with turning 3-week decisions into 3-hour ones.
20 years in commercial credit risk. She designed our cash-flow-first model that looks past the credit score to the real business.
Leads our advisor team. Believes every owner deserves a real human who picks up the phone and explains things plainly.
Elena and David launch from a shared workspace in Austin with one promise: lending that owners can actually understand.
We cross 1,000 funded businesses and launch our cash-flow-first underwriting model.
Lines of credit, factoring, equipment financing, MCAs, and SBA loans all under one transparent roof.
New infrastructure lets us fund approved customers in as little as a few hours after signing.
A 90% renewal rate and 22% referral rate tell us the model works — clear funding earns loyalty.
Whether you're hiring, expanding, or just smoothing out cash flow, we'll show you clear options in minutes.