Everything you need to know before, during, and after applying.
We're a direct lender. We underwrite and fund every approved deal ourselves, based in Midland, Texas — your application isn't resold or shopped to outside lenders.
We fund businesses across most industries, including construction, transportation, restaurants, retail, healthcare, manufacturing, real estate agent, and mortgage brokers, and professional services. Reach out if you're unsure whether your industry qualifies.
Yes. While we're headquartered in Midland, Texas, we provide funding to businesses across the nationwide, subject to applicable lending requirements.
Your underwriter will provide direct contact details once your application is under review. In the meantime, our main email at contact@quicklendercapitalllc.com can route you to the right person.
Most applicants complete the initial form in about three minutes. From there, underwriting review typically takes 24 to 48 hours depending on the product.
No. Our initial review uses a soft credit check that does not affect your score. A hard inquiry only occurs if you move forward with a formal offer.
Typically 3 months of bank statements, a government-issued ID, A recent pay stub or utility bill (for proof of address) and basic business details. Larger facilities may require tax returns or financial statements.
A funding specialist reviews your information and reaches out, usually within one business day, to confirm details and discuss next steps.
It depends on the product. Equipment financing can be available with as little as 3 months in business, while term loans and lines of credit typically require 6 months or more.
Term loans typically carry a fixed rate for the life of the loan. Lines of credit and some asset-based products may vary — your underwriter will confirm the specific structure for your offer.
A factor rate is a flat multiplier on the funded amount, common in asset-based products. Use our Loan Calculator to convert a factor rate into an estimated annualized rate for comparison.
No. Any origination or servicing fees are disclosed in plain language as part of your offer, before you sign anything.
In most cases, yes. Early payoff terms are outlined in your agreement before you sign, so you know exactly what to expect.
Start with the Get Started form. We match your funding need, time in business, and available collateral to the right product before presenting terms.
Yes. It's common to pair a term loan for a major purchase with a line of credit for ongoing flexibility. Your underwriter will structure this during review.
ESOP financing specifically funds employee stock ownership transitions. Investment Banking is broader advisory for capital raises, M&A, and recapitalization not tied to employee ownership.
We typically work with bond issuances of $1 million or more. Smaller capital needs are usually better served by a term loan or line of credit.
Our team is happy to walk through your specific situation.