Business funding structured around your cash flow.
Tell us what you need and how your business runs. We fund in house and through our premium lending partners, so you get terms that fit your receivables, payables and growth plans.
- One application, multiple funding options
- Checking your options does not affect your credit score
- Decisions in as little as 2 hours, with same-day funding available
- No application fee
See what you qualify for
Step 1 of 6Request received
A funding specialist will call you within 1 business hour to review your options. To speed things up, have your last 3–6 months of business bank statements, a photo ID and a voided check ready.
Six ways to fund your business. One application for all of them.
Each product works differently. Here is how they compare, so you know what to expect before we talk.
| Product | Amounts | Terms | Funding speed | Best for | |
|---|---|---|---|---|---|
| Working capital / Term loanFixed-term business loan | $10k – $5M | 3 – 24 months | Same day (3–5 hours) | Payroll, inventory, seasonal gaps | |
| Business line of creditRevolving; pay interest only on what you draw | $5k – $1M | 12 – 48 months | 2 business days | Ongoing expenses and opportunities | |
| Equipment financingThe equipment serves as collateral | $150k – $2M | 3 – 7 years | 7 – 14 days | Trucks, heavy machinery, medical and production equipment | |
| Invoice factoringAdvance against unpaid B2B invoices | Up to 70% advance | Until your customer pays | 3 days | Businesses waiting 30–90 days on receivables | |
| SBA loanGovernment-backed 7(a) and 504 programs | Per SBA program | Per SBA program | Per SBA program | Expansion, real estate, refinancing debt | |
| HELOCHome equity line of credit | Based on available equity | Varies | Varies | Owners who want to put property equity to work |
Amounts, terms and timing depend on lender approval and your business profile. We'll show you the total cost of capital before you sign anything.
From application to funded in three steps.
- STEP 1
Tell us your goals
Complete the short application. We document what you need the capital for and review your current cash flow.
- STEP 2
Compare real options
We fund many requests in house and compare offers from our premium lending partners. We walk you through amounts, terms and total cost, and our recommendations are based on your numbers.
- STEP 3
Get funded
Choose the offer that fits, sign electronically and receive funds directly in your business account.
Typical minimum requirements
Requirements vary by product. If you are close on one of these, apply anyway. We review every application individually.
What business owners ask before applying
Prefer to talk it through? Call (443) 938-0986 or email q@quarryfinancialservices.com.
Will applying affect my credit score?
Reviewing your options uses a soft credit inquiry, which does not affect your score. A lender may run a hard inquiry only after you choose an offer and move forward.
What documents do I need?
For most requests: the last 3 to 6 months of business bank statements, a government-issued ID and a voided check. For funding above $300,000 we also ask for your business tax return, accounts receivable and payable reports, a profit and loss statement and a balance sheet.
Are you a lender?
Both. We fund in house, and we also bring you options from our premium lending partners, so you can compare offers in one place. We guide you from application to funding either way.
How fast can I get funded?
Decisions can come in as little as 2 hours. Working capital loans can fund the same day, often within 3 to 5 hours of approval. Lines of credit typically fund in 2 business days, invoice factoring in 3 days and equipment financing in 7 to 14 days.
Can I qualify with less-than-perfect credit?
Our programs start at a 600 personal credit score. Working capital loans and invoice factoring weigh your revenue and receivables more heavily than your score.
Is there a cost to apply?
No. There is no application fee, and reviewing your options is free.