Burn ahead of revenue
Engineering, cloud, and go-to-market spend run ahead of the recurring revenue that funds them.
Growth costs money before revenue catches up, and equity is expensive. Quartz funds runway and hiring without diluting your cap table.
We've funded enough technology businesses to know exactly where the pressure points are.
Engineering, cloud, and go-to-market spend run ahead of the recurring revenue that funds them.
Raising another equity round to cover working capital is the costliest way to fund predictable growth.
Annual contracts are often billed up front to you but paid over time by the customer, creating timing gaps.
Three products our technology clients reach for most. Tap any one to see how it works.
Reusable capital you draw on demand and only pay for when used.
Explore Line of CreditLarger capital over 1–5 years for major moves.
Explore Long-Term LoansTurn unpaid invoices into same-week cash, with no new debt.
Explore Invoice Factoring“Quartz bridged us between funding rounds so we could hire two engineers on schedule — no down round, no dilution. Exactly the capital we needed.”
SaaS, hardware, and IT-services companies with 6+ months of operating history, $15,000+ monthly revenue, and a 500+ credit score are a fit.
Checking takes minutes and never affects your credit score.
It depends on the product — a merchant cash advance or invoice advance can fund the same or next business day, while larger loans are typically approved within 24–48 hours.
Our advisors match the product to your cash-flow pattern and goal. The three above are the most common fits for your industry, but you can compare every option on our services page.
A short application and three months of business bank statements. There's no hard credit check just to see your options.
Tell us what you need and a funding advisor will recommend the right product — at no cost and with no impact to your credit.