Frequently asked questions

Quickie Business provides fast business funding by purchasing a portion of your future receivables. Offers generally run $1,000–$25,000, and repeat customers in good standing can qualify for higher amounts over time. Repayment is one predictable weekly remittance sized to a percentage of your sales, over a short, disclosed term.

No. A Quickie is a purchase of future receivables for a business purpose — not a consumer loan and not a line of credit. There's no compounding interest; instead there's one flat cost built into your total payback, which you see before you sign. See our Disclosures for details.

Quickie requests run $1,000 to $25,000. The amount you're approved for is based on verified cash flow (primarily deposits, revenue consistency, and balances) - not just your personal credit score. Repeat customers with clean payment history can qualify for higher amounts over time.

Current standard policy generally uses a factor of 1.38–1.46 over roughly 16–22 weeks, plus a 7.5% origination fee deducted from the funded amount. Your actual offer can differ and always controls. Before signing, you see the gross amount, net cash deposited, weekly remittance, total payback, term, and applicable fees.

A factor rate is not an APR, but that does not make annualized cost irrelevant. Annualizing a short-term receivables purchase can produce a high estimated APR. Compare the net proceeds, total dollars repaid, weekly cash-flow impact, fees, term, and any state-required estimated APR before deciding whether the capital can generate enough return to justify its cost.

First-round pricing reflects a new relationship. Qualified repeat customers who pay as agreed may earn lower factors, higher limits, and faster renewals — each new round is priced fresh on its own review.

Most applications take just a couple of minutes and decisions are instant. Once you sign and confirm your payment details, funds are typically on their way the same day or the next business day.

You'll generally need:

• A real U.S. business — registered with an EIN, or self-employed / sole proprietor / 1099 (no EIN needed)
• Around $5,000+ average monthly revenue (limited $3,000–$4,999 exceptions may qualify only for smaller tickets)
• 6+ months in business (limited 4–5 month exceptions may qualify only for smaller tickets)
• An active bank account where your business income lands — business or personal
• An owner who is a U.S. resident, 18 or older

Quickie purchases future receivables, so real business income is required — W-2 paychecks don't qualify. Because underwriting weighs bank-account cash flow, some businesses a bank declined may still qualify — every file gets a real look.

We verify income and cash flow by securely connecting the bank account where your money is deposited (read-only) through our banking partner.

Repayment is automatic. We collect a predictable weekly remittance sized to your sales by ACH from your connected bank account, typically every Friday, until your balance is paid in full. You can track every payment in your client portal.

Yes — and you keep more when you do. If you settle within the first 60 days, you pay a discounted early-payoff amount instead of the full total payback. Your portal shows exactly how much you'd save and how long the discount is available, and you can message us to pay it off anytime.

Once you've paid down roughly 50% of your current balance (sometimes sooner for proven repeat customers), you may become eligible for additional funding. If eligible, renewing takes just a few minutes from your portal without reapplying from scratch.

Qualified repeat customers in good standing may receive lower factors, higher limits, and faster renewals. Repayment history is an important underwriting signal — every renewal gets its own fresh review under current policy.

Yes. We use bank-grade encryption, and your bank connection is read-only through a trusted banking partner — we never see or store your bank login. Read more in our Privacy Policy.

Fastest: text us at +1 (904) QUICKIE. You can also email team@tryquickie.com or use the secure message center in your client portal. See our contact page for all the ways to reach us.