Disclosures

• Not a loan. Our financing is structured as a purchase of future receivables documented by a Future Receivables Purchase Agreement. We do not charge interest in the consumer-credit sense, and our products are not regulated under the federal Truth-in-Lending Act.
• Subject to underwriting. All offers are subject to underwriting approval. Pre-qualified amounts displayed in the portal are illustrative based on remit history and current policy and are not commitments to fund.
• Funding times. Funding times shown on the site (e.g. ~24 hours) are typical for files signed before the applicable cut-off and meeting all post-signing requirements. Actual times vary and are not guaranteed.
• Origination fees. An origination fee is disclosed on each offer prior to signature and is netted from the disbursement amount.
• Security and guarantee. Quickie does not require a pledge of real estate. The agreement includes an owner guaranty and grants a security interest in business assets, with authorization for a UCC-1 filing. The signed agreement controls.

Current standard underwriting policy generally assigns factor rates from 1.38 to 1.49 and terms from 16 to 18 weeks, plus a 7.5% origination fee deducted from the purchase price at funding. Actual pricing, amount, and term are file-specific and may change; your written offer and signed agreement control.

A factor rate is not the same measure as APR. However, annualizing the cost of a short-term receivables purchase can result in a high estimated APR. Merchants should compare net proceeds, total payback, weekly remittance, all fees, term, early-payoff terms, and any state-required estimated APR before signing.

Several U.S. states (including New York, California, Utah, Virginia, Georgia, Connecticut, Florida, Kansas, Missouri, Texas, and Louisiana) require commercial financing providers (or, in some cases, brokers) to give merchants standardized disclosures before consummation of certain commercial financing transactions. Where an applicable state disclosure is required for your transaction, it will be provided to you in conjunction with your offer prior to signature, and you will sign a separate acknowledgement of receipt.

To request a copy of the standardized disclosure for any prior transaction, email legal@tryquickie.com.

• Soft inquiries only. Personal credit reports pulled in connection with Quickie are soft inquiries — they do not affect the personal credit score of the owner inquired upon and are not visible to other lenders. Quickie does not perform hard credit inquiries.
• Business credit. We may furnish information about funded merchants to commercial credit bureaus and to industry consortium services. Furnished information may include account opening, performance, defaults, and resolution.

• Forward-looking statements. Statistics shown on the marketing site (such as “Capital Deployed,” “Operators Funded,” or rating averages) reflect cumulative figures or illustrative composites and are not promises of future results.
• Testimonials and scenarios. Illustrative or composite use cases are labeled as such and are not actual funded transactions. Customer testimonials are published only after verification and permission. Outcomes always vary.
• Trademarks. All third-party names, logos, and marks referenced on the site are the property of their respective owners and used for identification only.

To request a copy of any disclosure or to ask compliance-related questions, contact legal@tryquickie.com. See also our Terms of Service, Privacy Policy, E-Sign Consent, SMS Consent, and ACH Authorization.