From $5,000 to $5,000,000. Whatever your business needs — covering a gap, buying equipment, or fueling expansion — there's a Quartz product built for it. Here's exactly how each one works.
A revolving credit line you tap whenever you need it. Draw funds, repay, and draw again — and you only pay interest on what you actually use. Ideal for smoothing cash flow, covering payroll, or jumping on inventory deals.
A fast lump sum with a clear, fixed repayment schedule. When you have a specific, time-sensitive need — an unexpected repair, a big order, a seasonal push — short-term financing gets cash in hand quickly without a long commitment.
Larger capital with longer repayment horizons for the big moves: opening a second location, acquiring a competitor, or funding a multi-year growth plan. Lower monthly payments stretched over a comfortable term.
Stop financing your customers for free. Sell your outstanding invoices to Quartz and get up to 90% of their value today — we collect when the invoice is due. Turn 30, 60, or 90-day terms into same-week cash.
Fund the trucks, machinery, ovens, servers, or medical devices your business runs on. The equipment itself serves as collateral, so rates stay low and approval stays fast — preserving your cash for everything else.
Get a lump sum today and repay it as a small, fixed percentage of your daily card sales. When business is busy you pay more; when it's slow you pay less. Repayment that breathes with your revenue.
Government-backed loans offer the lowest rates and longest terms available to small businesses. The application is more involved — so we assign a dedicated specialist to handle the paperwork and shepherd you through to funding.
A side-by-side of every product so you can see the differences clearly.
| Product | Amounts | Term | Best for | Funding speed |
|---|---|---|---|---|
| Line of Credit | $5K – $250K | Revolving | Cash-flow flexibility | ~24 hours |
| Short-Term Loan | $5K – $500K | 3–18 months | Urgent, defined needs | Same / next day |
| Long-Term Loan | $25K – $1M | 1–5 years | Expansion | 24–48 hours |
| Invoice Factoring | Up to 90% of invoice | Per invoice | Slow-paying B2B clients | ~24 hours |
| Equipment Financing | $10K – $2M | 2–6 years | Buying assets | 24–48 hours |
| Merchant Cash Advance | $5K – $500K | Revenue-based | High card volume | Same day |
| SBA Loan | $50K – $5M | Up to 25 years | Lowest-cost capital | Guided process |
A 5-minute application and three months of bank statements. No hard credit check to apply.
We review your real cash flow and return clear offers within 24–48 hours.
E-sign the offer you like and get funds as soon as the same or next business day.
Slide to your amount, pick a term, and adjust the assumed rate to see an estimated monthly payment and total cost. For illustration only.
Estimate only. Figures are illustrative, assume a fixed amortizing loan, and are not an offer of credit. Your actual rate, term, and payment depend on your product, business profile, and underwriting.
Get my real offerTell us about your business and a funding advisor will recommend the right product — or the right mix — at no cost.