1
Apply & submit
Complete our 5-minute online application and connect three months of bank statements. There's no hard credit check to apply.
$1B+ funded to 10,000+ businesses
Funding that's crystal clear — from $5K to $5M.
Quartz Capital gives small businesses fast, unsecured working capital with no surprises. Apply in five minutes, get approved in 24–48 hours, and see funds as soon as the same day.
- No hard credit check to apply
- Same-day / next-day funding
- Dedicated advisor
5-minute application
See your offer
Soft inquiry only. Find out how much you qualify for — no impact to your credit.
$1B+ funded to 10,000+ businesses
Bank-level encryption
4.9/5 average rating
95% funded within 48 hours
10,000+ businesses served
$1B+
Capital deployed
10,000+
Businesses funded
95%
Funded in 48 hours
90%
Customer renewal rate
22%
Referral rate
A+ BBB Accredited
Trustpilot ★★★★★ 4.9/5
256-bit SSL Secured
SOC 2 Type II
How it works
Funded in three clear steps
No paperwork mountains, no waiting weeks. Just a simple path from application to deposit.
2
Underwrite & approve
Our team reviews your cash flow and revenue — not just your credit score — and returns clear offers in 24–48 hours.
3
Sign & fund
Pick the offer that fits, e-sign your agreement, and receive funds as soon as the same or next business day.
Why Quartz
Real people, crystal-clear answers
We pair fast, modern underwriting with a dedicated advisor who actually picks up the phone. You get a straight answer on cost and fit — before you ever sign.
- Every rate, fee, and term spelled out plainly
- Underwriting that reads your whole business
- A 90% renewal rate from owners who came back
Funding products
Seven ways to fuel your growth
Flexible capital matched to how your business actually operates. Mix and stack products as you scale.
Business Line of Credit
Revolving capital you draw on demand and only pay for what you use. Perfect for managing cash-flow gaps.
Learn moreShort-Term Loans
A fast lump sum for time-sensitive needs, repaid over 3–18 months with fixed, predictable payments.
Learn moreLong-Term Loans
Larger amounts and longer horizons up to 5 years for expansion, acquisitions, and major investments.
Learn moreInvoice Factoring
Turn unpaid invoices into immediate cash. Advance up to 90% today and stop waiting 30–90 days to get paid.
Learn moreEquipment Financing
Fund the machinery, vehicles, and tech your business runs on — the equipment itself secures the loan.
Learn moreMerchant Cash Advance
Get capital today and repay automatically as a small percentage of your daily card sales. Repayment flexes with revenue.
Learn moreSBA Loans
Government-backed financing with the lowest rates and longest terms we offer. We guide you through every step.
Learn moreNot sure which fits?
Tell us about your business and a funding advisor will recommend the right mix — free, with no obligation.
Talk to an advisor
Industries we serve
Capital built around your business
Construction
Healthcare
HVAC
Manufacturing
Restaurants
Trucking
Retail
Technology
Real Estate
Auto Repair
Salons & Spas
Agriculture
Loved by owners
Why 90% of customers come back
Good to know
Questions, answered clearly
Most applicants receive approval decisions within 24–48 hours. Once you e-sign, funds are typically deposited the same or next business day. 95% of approved customers are funded within 48 hours.
No. Applying only requires a soft inquiry, which never affects your credit score. A hard pull happens only if you accept a final offer and ask us to proceed — and we'll always tell you first.
Most products require 6+ months in business, at least $15,000 in monthly revenue, and a 500+ personal credit score. Many businesses that don't fit one product qualify for another.
Ready for crystal-clear funding?
Join 10,000+ businesses that chose transparent capital over confusing fine print. See your offer in minutes — no obligation, no hard credit check.