QuickBridge
Short-term business loans of $6,000 to $500,000 for 6 to 18 months. Factor rate from 1.11 (~25% APR at 12 months), 600 credit, next-day funding. Best for $250K+ revenue firms.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Businesses with 6+ months of history, $250,000+ in annual sales and fair credit (about 600) that need up to $500,000 fast and can handle daily or weekly payments.
Not for: Startups, businesses under $250,000 in sales, or anyone who needs a long term or a low rate. A bank line or SBA loan costs far less if you qualify.
Lender List verdict: QuickBridge is a fast direct lender owned by National Funding. Its factor rate (from 1.11) plus a 1% to 3% origination fee works out to about 25% to 50% APR, so use it for short cash gaps, not long-term growth.
QuickBridge at a glance
QuickBridge lends $6,000 to $500,000 in short-term business loans with terms of 6 to 18 months, and QuickBridge reviews average 4.6/5 on Trustpilot.
| QuickBridge | |
|---|---|
| Lender type | Direct online lender (may refer declined applicants to partners) |
| Founded | 2011 |
| HQ | Irvine, CA |
| Parent/owner | National Funding (acquired 2018) |
| Products | Short-term and working capital loans (also marketed as bridge, payroll and emergency loans) |
| Amounts | $6,000 to $500,000 (low end per NerdWallet) |
| Cost (headline) | Factor rate from 1.11 plus 1% to 3% origination (third-party); about 25% to 50% APR (Lender List est.) |
| Term | 6 to 18 months |
| Funding speed | Decision within hours; funds as soon as next business day |
| Status | Active (2026-10-27) |
What is QuickBridge?
QuickBridge is an Irvine, California, online lender that has made short-term business loans of up to $500,000 since 2011. It reports about $1 billion funded for some 25,000 business owners.
San Diego-based National Funding bought QuickBridge in October 2018; it still operates under its own brand. If QuickBridge can't approve you, it may pass your file to a partner lender, which can run a hard credit pull.
How QuickBridge short-term and working capital loans work
A QuickBridge loan is a lump sum repaid through fixed automatic debits from your business checking account over 6 to 18 months.
- Application: An online form, then an advisor calls with options.
- Payments: ACH debits on business days; NerdWallet reports daily or weekly schedules.
- Funding speed: A credit decision usually within a few hours; money as soon as the next business day after you accept.
QuickBridge rates and fees: what it really costs
QuickBridge prices loans with a factor rate that starts at 1.11 (Bankrate reports 1.10), meaning you repay at least $1.11 for every dollar borrowed. Rates aren't published; your offer shows the total cost.
- Origination fee: 1% to 3% (Bankrate, Finder)
- No application fee and no prepayment penalty
- Early payoff discount: available if you repay the full balance while current; the amount is stated before you sign
Worked example: borrow $25,000 at a 1.11 factor rate and you repay $27,750. Spread over 12 months of business-day debits (252 payments), that is about $110 a day. With a 2% origination fee ($500) taken from the proceeds, you receive $24,500, and the annualized cost is roughly 25% APR. The same loan squeezed into 6 months doubles the daily debit to about $220 and pushes the APR to around 50%.
QuickBridge requirements
QuickBridge requires at least 6 months in business, $250,000 in annual sales and a business bank account; NerdWallet reports a 600 minimum credit score.
| Requirement | QuickBridge minimum |
|---|---|
| Personal credit score | "Fair to excellent"; 600 per NerdWallet (Bankrate: 660) |
| Time in business | 6 months |
| Annual revenue | $250,000 |
| Bank account / integrations | U.S. business checking; bank statements |
| Credit check | No score impact to explore options; partner lenders may hard-pull |
| Collateral / guarantee | No collateral required (NerdWallet); personal guarantee considered, terms not published |
QuickBridge weighs bank balances, sales and business type alongside credit.
Pros and cons
QuickBridge trades speed and a modest credit bar for high cost and short terms.
Pros
- Funding as soon as the next business day, with decisions in hours
- Accepts fair credit (about 600)
- Loans up to $500,000
- Early-payoff discount and no prepayment penalty
- 15 years in business, backed by National Funding
- Trustpilot 4.6/5 from 565 reviews
Cons
- High effective cost: about 25% to 50% APR in our examples
- $250,000 revenue floor shuts out smaller businesses
- Terms top out at 18 months, so payments are large
- No rate table; price appears only in your offer
- Not available in Hawaii (per Finder)
QuickBridge vs. OnDeck vs. National Funding
QuickBridge and its parent National Funding both lend up to $500,000, while OnDeck goes to $400,000 for select borrowers.
| QuickBridge | OnDeck | National Funding | |
|---|---|---|---|
| Max amount | $500,000 | $400,000 term loan (select customers) | $500,000 working capital |
| Pricing | Factor from 1.11 + 1% to 3% origination (third-party) | Average APR 53.2% on term loans; origination 0% to 4% | Not disclosed (Bankrate: factor from 1.1) |
| Min FICO | 600 (NerdWallet) | 625 | Most borrowers 600+; no stated minimum |
| Min time in business | 6 months | 1 year | 6 months for equipment (NerdWallet: 24 months) |
| Min annual revenue | $250,000 | $100K | Not stated (Bankrate: $250,000) |
| Repayment | Daily or weekly ACH, 6 to 18 months | Daily, weekly or monthly; 18 to 24 months | Daily or weekly ACH, 4 to 24 months |
| Early payoff | Discount if paid in full | May still owe part of unpaid interest | Discount may be offered |
OnDeck and National Funding figures are from their own sites (third-party where noted), checked 2026-10-26.
Choose QuickBridge if you have six months of history and high sales but only fair credit. Choose OnDeck if you have a year in business and want monthly payments or a line of credit. Choose National Funding if you also need equipment financing or a 24-month term.
QuickBridge alternatives on Lender List
- OnDeck — published average APRs and a line of credit
- National Funding — QuickBridge's parent, with 24-month terms
- Fundbox — a revolving line for smaller businesses
- Bluevine — a simple-interest line of credit if your credit is stronger
- Browse all online term loans on Lender List
Frequently asked questions about QuickBridge
Is QuickBridge Legit? Yes. QuickBridge Funding, LLC has lent since 2011, holds California Financing Law license 603 J292 and has been owned by National Funding since 2018. Finder reports a BBB A+ rating with accreditation (though 1/5 from 11 BBB reviews), and it scores 4.6/5 from 565 Trustpilot reviews. No regulatory actions against it surfaced in our search.
What Are the QuickBridge Funding Requirements? You need at least 6 months in business, $250,000 in annual sales, a business checking account and fair-or-better credit, which NerdWallet puts at 600. The lender publishes no minimum score. It also asks for a driver's license and recent bank statements.
What Is QuickBridge Funding? QuickBridge Funding is an Irvine, California, online lender offering short-term business loans up to $500,000. It became a subsidiary of San Diego-based National Funding in 2018 but still operates under its own brand, and it may refer applicants it declines to partner lenders.
What Are QuickBridge Interest Rates? QuickBridge doesn't charge a stated interest rate; it uses a factor rate starting at 1.11, plus a 1% to 3% origination fee per third-party reviews. On a 12-month loan that works out to roughly 25% APR, and about 50% on a 6-month term, before any early-payoff discount.
What Credit Score Do You Need for a QuickBridge Loan? About 600, according to NerdWallet and Finder, while Bankrate reports 660. QuickBridge itself says only "fair to excellent" credit and weighs business credit, sales and bank balances alongside your personal score. Checking your options has no impact on your credit score, though a partner lender may run a hard pull.
Is QuickBridge a Merchant Cash Advance? No. QuickBridge makes business loans under a California Financing Law license, with fixed daily or weekly payments and a set term. It does price them with a factor rate, as many MCA funders do, but your payment doesn't change with sales and the total owed is fixed up front.
Does QuickBridge Offer a Business Line of Credit? No. QuickBridge offers lump-sum short-term loans only, marketed for working capital, payroll, bridging and emergencies, repaid by fixed daily or weekly debits over no more than 18 months. Once repaid, you must reapply for new funds. For revolving credit, compare Fundbox, Bluevine or OnDeck.
Can I Pay Off QuickBridge Early? Yes. There's no prepayment penalty, and QuickBridge offers an early-payoff discount if you repay the full balance while current and in good standing. The discount amount is disclosed before you sign. Because factor-rate fees are fixed, that discount is the only way early payoff saves money.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Businesses with 6+ months of history, $250,000+ in annual sales and fair credit (about 600) that need up to $500,000 fast and can handle daily or weekly payments.
Not for: Startups, businesses under $250,000 in sales, or anyone who needs a long term or a low rate. A bank line or SBA loan costs far less if you qualify.
Lender List verdict: QuickBridge is a fast direct lender owned by National Funding. Its factor rate (from 1.11) plus a 1% to 3% origination fee works out to about 25% to 50% APR, so use it for short cash gaps, not long-term growth.
QuickBridge at a glance
QuickBridge lends $6,000 to $500,000 in short-term business loans with terms of 6 to 18 months, and QuickBridge reviews average 4.6/5 on Trustpilot.
| QuickBridge | |
|---|---|
| Lender type | Direct online lender (may refer declined applicants to partners) |
| Founded | 2011 |
| HQ | Irvine, CA |
| Parent/owner | National Funding (acquired 2018) |
| Products | Short-term and working capital loans (also marketed as bridge, payroll and emergency loans) |
| Amounts | $6,000 to $500,000 (low end per NerdWallet) |
| Cost (headline) | Factor rate from 1.11 plus 1% to 3% origination (third-party); about 25% to 50% APR (Lender List est.) |
| Term | 6 to 18 months |
| Funding speed | Decision within hours; funds as soon as next business day |
| Status | Active (2026-10-27) |
What is QuickBridge?
QuickBridge is an Irvine, California, online lender that has made short-term business loans of up to $500,000 since 2011. It reports about $1 billion funded for some 25,000 business owners.
San Diego-based National Funding bought QuickBridge in October 2018; it still operates under its own brand. If QuickBridge can't approve you, it may pass your file to a partner lender, which can run a hard credit pull.
How QuickBridge short-term and working capital loans work
A QuickBridge loan is a lump sum repaid through fixed automatic debits from your business checking account over 6 to 18 months.
- Application: An online form, then an advisor calls with options.
- Payments: ACH debits on business days; NerdWallet reports daily or weekly schedules.
- Funding speed: A credit decision usually within a few hours; money as soon as the next business day after you accept.
QuickBridge rates and fees: what it really costs
QuickBridge prices loans with a factor rate that starts at 1.11 (Bankrate reports 1.10), meaning you repay at least $1.11 for every dollar borrowed. Rates aren't published; your offer shows the total cost.
- Origination fee: 1% to 3% (Bankrate, Finder)
- No application fee and no prepayment penalty
- Early payoff discount: available if you repay the full balance while current; the amount is stated before you sign
Worked example: borrow $25,000 at a 1.11 factor rate and you repay $27,750. Spread over 12 months of business-day debits (252 payments), that is about $110 a day. With a 2% origination fee ($500) taken from the proceeds, you receive $24,500, and the annualized cost is roughly 25% APR. The same loan squeezed into 6 months doubles the daily debit to about $220 and pushes the APR to around 50%.
QuickBridge requirements
QuickBridge requires at least 6 months in business, $250,000 in annual sales and a business bank account; NerdWallet reports a 600 minimum credit score.
| Requirement | QuickBridge minimum |
|---|---|
| Personal credit score | "Fair to excellent"; 600 per NerdWallet (Bankrate: 660) |
| Time in business | 6 months |
| Annual revenue | $250,000 |
| Bank account / integrations | U.S. business checking; bank statements |
| Credit check | No score impact to explore options; partner lenders may hard-pull |
| Collateral / guarantee | No collateral required (NerdWallet); personal guarantee considered, terms not published |
QuickBridge weighs bank balances, sales and business type alongside credit.
Pros and cons
QuickBridge trades speed and a modest credit bar for high cost and short terms.
Pros
- Funding as soon as the next business day, with decisions in hours
- Accepts fair credit (about 600)
- Loans up to $500,000
- Early-payoff discount and no prepayment penalty
- 15 years in business, backed by National Funding
- Trustpilot 4.6/5 from 565 reviews
Cons
- High effective cost: about 25% to 50% APR in our examples
- $250,000 revenue floor shuts out smaller businesses
- Terms top out at 18 months, so payments are large
- No rate table; price appears only in your offer
- Not available in Hawaii (per Finder)
QuickBridge vs. OnDeck vs. National Funding
QuickBridge and its parent National Funding both lend up to $500,000, while OnDeck goes to $400,000 for select borrowers.
| QuickBridge | OnDeck | National Funding | |
|---|---|---|---|
| Max amount | $500,000 | $400,000 term loan (select customers) | $500,000 working capital |
| Pricing | Factor from 1.11 + 1% to 3% origination (third-party) | Average APR 53.2% on term loans; origination 0% to 4% | Not disclosed (Bankrate: factor from 1.1) |
| Min FICO | 600 (NerdWallet) | 625 | Most borrowers 600+; no stated minimum |
| Min time in business | 6 months | 1 year | 6 months for equipment (NerdWallet: 24 months) |
| Min annual revenue | $250,000 | $100K | Not stated (Bankrate: $250,000) |
| Repayment | Daily or weekly ACH, 6 to 18 months | Daily, weekly or monthly; 18 to 24 months | Daily or weekly ACH, 4 to 24 months |
| Early payoff | Discount if paid in full | May still owe part of unpaid interest | Discount may be offered |
OnDeck and National Funding figures are from their own sites (third-party where noted), checked 2026-10-26.
Choose QuickBridge if you have six months of history and high sales but only fair credit. Choose OnDeck if you have a year in business and want monthly payments or a line of credit. Choose National Funding if you also need equipment financing or a 24-month term.
QuickBridge alternatives on Lender List
- OnDeck — published average APRs and a line of credit
- National Funding — QuickBridge's parent, with 24-month terms
- Fundbox — a revolving line for smaller businesses
- Bluevine — a simple-interest line of credit if your credit is stronger
- Browse all online term loans on Lender List
Frequently asked questions about QuickBridge
Is QuickBridge Legit? Yes. QuickBridge Funding, LLC has lent since 2011, holds California Financing Law license 603 J292 and has been owned by National Funding since 2018. Finder reports a BBB A+ rating with accreditation (though 1/5 from 11 BBB reviews), and it scores 4.6/5 from 565 Trustpilot reviews. No regulatory actions against it surfaced in our search.
What Are the QuickBridge Funding Requirements? You need at least 6 months in business, $250,000 in annual sales, a business checking account and fair-or-better credit, which NerdWallet puts at 600. The lender publishes no minimum score. It also asks for a driver's license and recent bank statements.
What Is QuickBridge Funding? QuickBridge Funding is an Irvine, California, online lender offering short-term business loans up to $500,000. It became a subsidiary of San Diego-based National Funding in 2018 but still operates under its own brand, and it may refer applicants it declines to partner lenders.
What Are QuickBridge Interest Rates? QuickBridge doesn't charge a stated interest rate; it uses a factor rate starting at 1.11, plus a 1% to 3% origination fee per third-party reviews. On a 12-month loan that works out to roughly 25% APR, and about 50% on a 6-month term, before any early-payoff discount.
What Credit Score Do You Need for a QuickBridge Loan? About 600, according to NerdWallet and Finder, while Bankrate reports 660. QuickBridge itself says only "fair to excellent" credit and weighs business credit, sales and bank balances alongside your personal score. Checking your options has no impact on your credit score, though a partner lender may run a hard pull.
Is QuickBridge a Merchant Cash Advance? No. QuickBridge makes business loans under a California Financing Law license, with fixed daily or weekly payments and a set term. It does price them with a factor rate, as many MCA funders do, but your payment doesn't change with sales and the total owed is fixed up front.
Does QuickBridge Offer a Business Line of Credit? No. QuickBridge offers lump-sum short-term loans only, marketed for working capital, payroll, bridging and emergencies, repaid by fixed daily or weekly debits over no more than 18 months. Once repaid, you must reapply for new funds. For revolving credit, compare Fundbox, Bluevine or OnDeck.
Can I Pay Off QuickBridge Early? Yes. There's no prepayment penalty, and QuickBridge offers an early-payoff discount if you repay the full balance while current and in good standing. The discount amount is disclosed before you sign. Because factor-rate fees are fixed, that discount is the only way early payoff saves money.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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