At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About QuickBridge
QuickBridge is a direct funder that operates through one of the largest broker networks in the MCA industry. This is important to understand: if you apply for business financing through an independent broker or online marketplace, there is a meaningful probability that QuickBridge is the entity that will ultimately fund your advance, even though you never applied to them directly. This distribution model means that applying through multiple brokers simultaneously can create duplicate applications at QuickBridge, which actually slows your funding rather than speeding it up. If you are working with a broker, ask directly whether they submit to QuickBridge — and if so, do not submit to other brokers who also use QuickBridge as a funding source. Their 550 credit score minimum is one of the lowest among direct funders — most require 580 or higher. However, the factor rate at a 550 score will be near the top of their range (1.40-1.45), meaning you are paying a significant premium for the low credit tolerance. A $200K advance at 1.40 costs $80K in fees; at 1.15 (which requires 650+ credit and strong revenue), the same advance costs $30K. That $50K spread is entirely driven by your creditworthiness, and it is the reason improving your credit score by even 50-75 points before applying can be one of the highest-ROI financial decisions you make. QuickBridge differentiates from larger competitors by assigning a dedicated funding advisor to every applicant — not just a call center representative reading from a script. These advisors have authority to adjust terms within ranges, expedite applications, and in some cases combine multiple funding products (e.g., a smaller MCA plus a short-term loan) to get you better total economics than a single large MCA. If you are applying directly to QuickBridge rather than through a broker, push the advisor relationship — they have flexibility that the automated online application does not reveal.
Key Features
Direct Funder with Broker Distribution
QuickBridge funds advances from its own balance sheet, not through syndication. This means faster decisions and more consistent terms than marketplace lenders that shop your application to multiple funders. Their broker network is an additional distribution channel, not their primary funding source — applying directly often yields better terms because there is no broker commission built into the factor rate.
Dedicated Funding Advisor
Every applicant is paired with a named funding advisor who has actual decision-making authority — not a chatbot or call center script. These advisors can structure deals that the automated online application would not surface: split-funding arrangements, graduated repayment schedules, and custom terms for businesses with unusual revenue patterns.
Flexible Term Lengths
QuickBridge offers terms from 3 to 18 months with both daily and weekly ACH options. The 3-month option has the highest effective APR but the lowest total cost; the 18-month option has the lowest APR but highest total cost. Your advisor can model the scenarios so you see the exact tradeoffs before committing.
Renewal and Loyalty Program
After successfully repaying one advance, QuickBridge offers renewal advances at improved factor rates — typically 0.05-0.10 lower than your first advance. Businesses that have completed 3+ advances with QuickBridge often qualify for their "Platinum" tier with factor rates starting at 1.08, which approaches the cost of conventional business loans.
How It Works
Apply Direct or Via Broker
You can apply on QuickBridge's website directly or through any of their 500+ broker partners. Direct applications avoid broker commissions (typically 1-5% of advance amount) being baked into your factor rate. If a broker is handling your application, ask them to disclose whether QuickBridge is the intended funder.
Submit 3 Months of Bank Statements
QuickBridge requires the most recent 3 months of business bank statements — not personal accounts. They analyze average daily balance (they want to see $2K+ consistently), monthly deposit totals, number of deposits (more is better — shows consistent revenue), and negative days or NSF fees (deal-breakers at more than 2-3 per month).
Advisor Consultation
Your assigned funding advisor reviews your application and bank statements, then calls you to discuss options. This is not a rubber-stamp step — the advisor may recommend a different product, suggest waiting until a specific bank statement rolls off, or propose a smaller advance amount at a better factor rate. Take this call seriously; it is where the real negotiation happens.
Receive and Review Offer
You receive a written offer with factor rate, total repayment amount, daily or weekly payment amount, and term length. Read the UCC-1 filing disclosure, personal guarantee clause, and default provisions carefully. If you have competing offers from other funders, share them with your advisor — QuickBridge will sometimes match or beat competitor pricing.
Accept and Fund
Sign electronically, and funds are typically deposited within 1-3 business days. Same-day funding is occasionally possible for repeat customers or smaller advances under $50K. Your first ACH deduction begins 5-7 business days after funding to give you time to deploy the capital.
What They Do
- Merchant Cash Advance
- Short-Term Business Financing
- Working Capital
- Revenue-Based Financing
Debt Types They Take On
- Future Business Revenue
- Credit Card Receivables
- ACH Receivables
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Plumbing Contractor Eliminating Broker Markup
Commercial plumbing contractor in Phoenix doing $65K/month had previously taken a $150K MCA through a broker at 1.35 factor rate ($202.5K total repayment). When he needed a second advance, he applied directly to QuickBridge after learning they had funded his first advance.
Restaurant Chain Leveraging Renewal Pricing
Three-location restaurant group in San Diego completed two successful QuickBridge advances totaling $300K. For the third advance, they qualified for Platinum tier renewal pricing.
Pros & Cons
Pros
- Direct-funder model means faster, more consistent decisions than marketplace lenders
- Dedicated funding advisor with actual authority to customize terms and negotiate
- 550 minimum credit score — one of the lowest among direct funders
- Renewal discounts reward repeat customers with meaningfully lower factor rates
- Both daily and weekly repayment options available
Cons
- Broker-originated applications include hidden commissions that inflate your factor rate by 1-5%
- Factor rate at 550 credit can reach 1.45 — a $200K advance costs $90K more than at 1.10
- Fewer online reviews than larger competitors make independent research harder
- Multiple simultaneous broker submissions can create duplicate applications that slow funding
User Reviews (13)
the first ACH deduction starts 5-7 days after funding which is nice
fine I guess
the advisor matched a competitor's offer to keep my business
Had a competing offer from Credibly at 1.18. Shared it with my QuickBridge advisor. She came back with 1.16 -- beat the competitor by 0.02. On $80K that's $1,600 savings. Not every advisor will do this but mine did. If you have competing offers, ALWAYS share them with QuickBridge. They have flexibility to match or beat.
duplicate broker applications actually slowed my funding
Applied through two different brokers not knowing they both submit to QuickBridge. Created a duplicate application that flagged their system. Had to sort out which broker was "mine" before the application could proceed. Added 3 days to the timeline. QuickBridge should have a system to handle this more gracefully. $35K at 1.24 eventually.
the dedicated funding advisor actually has authority to negotiate
Worked out fine for us.
third advance at platinum pricing is approaching bank rates
My third QuickBridge advance qualified for Platinum tier. $100K at 1.08 factor rate. $108K total repayment. Effective APR on a 10-month term: about 20%. That's approaching conventional business loan territory from an MCA provider. For repeat customers with clean repayment history, QuickBridge's loyalty pricing is among the most competitive in the industry.
fewer online reviews makes independent research difficult
QuickBridge has way fewer reviews than OnDeck, Fundbox, or PayPal. Less than 1,000 total across Trustpilot and Google. Makes it hard to get an independent read on the company before committing. My $15K advance at 1.24 went fine but I was nervous going in because there wasn't much third-party validation available online.
applied direct and saved a good chunk vs what the broker charged me last time
First advance: $150K through a broker at 1.35 factor rate. $202,500 total. Found out QuickBridge was the actual funder. Second advance: applied directly to QuickBridge. Same $150K at 1.22 factor rate. $183K total. Saved $19,500 by cutting out the broker. The broker commission was BAKED INTO my factor rate the first time and nobody told me. Always ask who the actual funder is.
not available in connecticut or west virginia
My landscaping partner in Connecticut tried to apply to QuickBridge. Not available in their state. Also excluded from West Virginia. Only 48 states covered. For a company as large as QuickBridge, the two-state gap seems avoidable. My FL-based operation got $40K at 1.18 without issues. But if you're in CT or WV, don't waste your time.
direct application was significantly cheaper than going through my broker
My broker quoted me 1.28 through QuickBridge. Applied directly to QuickBridge: 1.20. Same company, same advance amount ($40K), 0.08 factor rate difference. That saved us real money by cutting out the middleman. Brokers earn 1-5% commission that gets added to your rate. If you know the funder, go direct. Nicole in particular was helpful.
550 credit score minimum gets you in the door but at a steep price
My credit is 560. Most direct funders require 580+. QuickBridge accepted me at 550 but the factor rate was 1.40. On $25K that's $35K total repayment -- $10K in fees. A borrower with 700 credit would get 1.15 on the same amount. That's $3,750 in fees. I paid $6,250 MORE because of my credit score. The low credit acceptance is real but the price premium is enormous.
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Frequently Asked Questions
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Important MCA & Business Financing Disclaimers
- A merchant cash advance is not a loan. It is a purchase of future receivables at a discount. Factor rates, not APRs, are used to express the cost of capital. Effective APRs on merchant cash advances can range from 40% to over 350% depending on the term and factor rate.
- Repayment is typically collected daily or weekly via automatic ACH debits or a percentage of credit card sales. This means your repayment amount fluctuates with revenue but withdrawals occur every business day, which can strain cash flow during slow periods.
- Most MCA agreements require a personal guarantee from the business owner. In the event of default, the MCA provider may pursue the owner's personal assets, including bank accounts and property.
- MCA providers commonly file UCC-1 liens against your business assets. This lien may prevent you from obtaining additional financing until the advance is fully repaid and the lien is released.
- Merchant cash advances are not regulated by federal lending laws such as the Truth in Lending Act (TILA). State regulations vary widely, and some states have limited consumer protections for MCA products.
- Stacking multiple merchant cash advances (taking a second advance before the first is repaid) significantly increases the risk of default and can lead to aggressive collection actions including confessions of judgment in some jurisdictions.
- Zogby does not provide merchant cash advances or business financing. We are an independent comparison service. We do not fund advances, process applications, or guarantee approval on your behalf.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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We make money from some companies on this page. That doesn't change our rankings -- the editorial team scores every product independently, and the business side has no say in what we recommend.