Line of Credit

True Lines
Of credit from
$10k - $5MM

12 Month Term
Resets after each withdrawal

Simple
Customizable weekly payments

Instant
Receive your money within seconds

Consider a Line of Credit to fuel your QSR Franchise’s growth
and manage day-to-day operations more effectively.

Every quick service restaurant needs a flexible and reliable source of working capital. A line of credit from Quick Service Capital provides flexibility in accessing funds. Draw on your line as needed, allowing you to cover unexpected expenses, invest in marketing campaigns, purchase inventory, or even manage cash flow during slower periods.

When exploring financing options for your QSR, it’s crucial to partner with a financial institution experienced in providing lines of credit tailored to the restaurant industry. Quick Service Capital offers lines of credit with fast approvals, so you can access the capital you need to thrive and grow in today’s competitive quick service restaurant industry.

Are we a match?

1 Year
in business, at least

625+
personal FICO score

$100K+
gross annual revenue

Business
checking account

Eligibility Criteria
for obtaining a Line of Credit

FAQ

  • With our Line of Credit, draws are consolidated into one loan with one easy weekly payment. As you pay back your principal, you replenish available funds. Unlike most other online lenders, our line of credit comes with no draw fees (just a monthly maintenance fee). Adjust the payment amount and term to ensure a comfortable weekly payment.

  • There are some times when you could really use access to additional funds. Based on your cash flow, net income and payback history, you may be eligible for a credit line increase.

  • The total cost of your line of credit will vary based on a number of factors, including your personal and business credit scores, time in business and annual revenue and cash flow.

  • You may have a project that could benefit from other types of small business loans beyond your business line of credit. At Capital Gurus we understand, and we offer term loans that provide lump-sum funding up to $250,000. Reach out to your dedicated Quick Service Capital loan advisor if you think a term loan could help your business.

  • We report your payments to business credit bureaus so that every time you pay on time, you’re helping your business build a strong credit profile.

  • Secured business line of credit. This type of line of credit requires businesses to put up specific assets as collateral. Since a line of credit is a short-term liability, lenders typically ask for short-term assets, like accounts receivable or inventory.

    Unsecured line of credit. While this type of line of credit doesn’t require specific collateral, your lender will likely place a general lien on your business and require a personal guarantee from you. You’ll likely need a stronger credit profile to qualify and interest rates may be higher. Additionally, keep in mind that unsecured lines of credit typically come with a lower credit limit.

    Revolving line of credit. With this type of line of credit, you replenish your available funds as you repay what you borrow. This gives you access to future funding without needing to reapply.

    Non-revolving line of credit. A non-revolving line of credit is just like a revolving line of credit except your available funding doesn’t replenish as you make payments. You’re given a capped credit limit, and when you reach that amount, you exhaust your funding.

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Working Capital