$65,000 · Revenue Advance
Our ovens went down two weeks before the holidays. IQUO had an offer to me that same day, and we never missed an order.
RC
Rosa Camacho
La Estrella Bakery & Café · Tucson, AZ
Funding That Moves You Beyond the Status Quo
Working capital up to $5 million, decisions in hours, and no hard credit pull to apply. Built to fund your next move.
Up to $5M
in working capital
4-hour
decisions
Soft
credit check — no score impact
Quick Check
See what you qualify for
Two minutes. No hard credit pull. No obligation.
Soft credit check only. Checking your options will never affect your credit score.
★ 4.8 on Trustpilot
BBB A+ Accredited
Inc. 5000 Fastest-Growing
Featured in: Forbes · Bloomberg · CNBC · Inc.
Funding Solutions
Capital that fits the way you run your business
Six funding products, each with a fast application, clear terms, and advisors who know your industry.
📈
Revenue Advance
Based on your monthly sales.
- Funding sized to revenue, not credit
- Set remittance schedule
- Funds in 24 hours
🔁
Business Line of Credit
Flexible capital, always on standby.
- $5K – $2.5M range
- Draw as needed, pay interest on usage only
- Reusable as you pay it down
💼
Small Business Loan
One lump sum, one clear plan.
- Up to $5M, terms to 24 months
- Lump sum with a clear schedule
- 4-hour decisions
- No collateral required (most approvals)
📅
Business Term Loan
Predictable payments, set terms.
- Fixed schedule matching cash flow
- Early-payoff savings options
🛠
Equipment Financing
Fund the tools that make you money.
- Fund operational equipment
- Equipment secures the deal
- Preserve your cash
🏛
SBA Loan Assistance
Guided from paperwork to payout.
- Hands-on SBA application guidance
- Paperwork preparation
- Bridge funding available
Two business owners reviewing their options with an IQUO advisor.
Why IQUO Capital
More than money: a steadier way to grow
Anyone can transfer funds. We built IQUO around what matters: the quality of the working relationship.
🏢
Expertise across industries
With 7,500+ businesses funded across sectors, our industry-experienced advisors understand your margins, your seasonality, and what your slow months actually mean.
🚀
Underwriting that sees your growth
We look at trajectory over credit score: your revenue trends, your momentum, and the repeat customers who keep coming back.
🤝
One advisor, start to finish
A dedicated advisor owns your file from application through payoff. Direct contact, no phone trees, and consistent problem-solving from someone who knows your story.
How It Works
From application to funded in about a day
No branch visits, paperwork binders, or weeks of waiting.
1
Minutes
Apply online
A brief application with a soft credit check — no impact to your credit score.
2
As little as 4 hours
Get your decision
We review based on your revenue and growth, then send a clear offer with plain-English terms.
3
As little as 24 hours
Receive your funds
Accept your offer and funds hit your business account, often by the next business day.
Dedicated Advisor
A handshake, not a help desk
One advisor owns your file from application through payoff. They learn your business, answer directly, and negotiate terms that fit.
- Direct contact with your advisor — no queues, no ticket numbers
- Advice grounded in your industry, not generic scripts
- Growth check-ins that make your next round of funding easier
Your advisor, walking two owners through their options.
Industries
If you run it, we can probably fund it
We work with Main Street businesses and beyond.
Restaurants
Construction
Medical & Dental
Auto Services
Retail
Trucking
HVAC
Salons & Spas
+ many more
Success Stories
Owners who moved first
Real businesses, real timelines, real growth.
$175,000 · Equipment Financing
Every lender wanted three years of perfect credit before they’d even talk. IQUO looked at my contracts and got me the second truck.
TB
Terrence Boyd
Boyd Bros. Hauling & Site Prep · Kansas City, MO
$45,000 · Line of Credit
Payroll doesn’t wait for insurance reimbursements. I draw on the line when I need it, pay it back, and it’s there again next time.
LK
Dr. Lena Kovács
Brightside Veterinary Clinic · Portland, OR
$110,000 · Small Business Loan
We renovated two shops at once instead of waiting a year between them. I applied from my chair between clients and had funds that week.
MR
Marcus Reyes
Reyes Barbershop Collective · Chicago, IL
FAQ
Questions, Answered
Clear answers for peace of mind before signing up.
At minimum: 6+ months in operation and $15K+ in monthly revenue. We weigh your revenue trends and overall business health more heavily than your personal credit score.
No. We use a soft credit check only — it’s invisible to other lenders and has zero impact on your score. A hard pull happens only if you accept an offer that requires one, and we’ll tell you first.
Decisions arrive in as little as 4 hours and funds in as little as 24 hours. Most clients are funded within 1–2 business days of applying.
Any legitimate business purpose: inventory, payroll, equipment, renovations, marketing, expansion, or smoothing out a seasonal dip.
Restaurants, construction, medical and dental practices, auto services, retail, trucking, HVAC, salons, and dozens more. If you run it, we can probably fund it.
It varies by product: term loans have fixed payments, lines of credit charge interest only on what you draw, and revenue advances follow an agreed remittance schedule you know upfront.
No application fee, ever. Accepting an offer is entirely optional, and the full cost is disclosed in writing before you commit to anything.
We fund established businesses only — a minimum of 6 months in operation — and we provide business financing only, never consumer or personal loans.
Get Funding Today and Leave the Status Quo Behind
Two minutes to apply. Hours to a decision. No hard credit pull, no obligation, no uncertainty.
Get Started Now