Declined for a Business Loan? You're Not Out of Options.
A no from one lender is not a no from the market. Find out exactly why a specific lender declined or capped you, and what funds your business instead.
If a lender just turned you down, or offered far less than you need, you are in the most frustrating spot in business financing. You know the business is real. The lender's answer says otherwise. Here is what is actually going on: most declines are a fit problem, not a verdict. Each lender underwrites for one narrow profile, and when your business falls outside it, you get a no, even when a different lender would say yes the same day.
The same is true of the platform lenders built into Toast, Square, Shopify, PayPal, Stripe, and QuickBooks. They are not rejecting you. They size your offer to the slice of revenue they can see, then stop. A business loan alternative that underwrites on your whole revenue is usually the difference between a capped offer and the amount you actually need.
QuicLoans is a brokerage. We do not fund deals off a single rulebook. We match you to lenders across the market whose underwriting fits your situation, including lenders who weigh bank-statement revenue over credit-file depth, who structure monthly payments instead of daily ones, and who size funding to total revenue rather than one platform's volume.
Declined by a direct lender
Banks and fintech lenders with hard decline criteria. See the real reason, and the way around it.
OnDeck →
Declined for daily-payment cash flow or a credit floor, even with strong revenue.
Bluevine →
Bank-grade underwriting that rejects seasonal, newer, and sole-proprietor businesses.
American Express / Kabbage →
Automated underwriting that is hard on newer and thin-file businesses.
National Funding →
Advertises a low bar but funds higher, and declines lumpy revenue.
Maxed out a platform's funding
Embedded lenders that cap you to the volume they can see. Here is how to get more.
Toast Capital →
Capped to the card volume on your Toast POS.
Square Loans →
Sized to your Square card volume, cash excluded.
QuickBooks Capital →
Pinned to your QuickBooks data and a hard ceiling.
Shopify Capital →
Limited to your Shopify store sales only.
PayPal Working Capital →
Capped at a percentage of your PayPal sales.
Stripe Capital →
Sized to your Stripe processing volume only.
Find out what you actually qualify for.
One short application, no impact to your credit to see options, and a real look at funding the last lender would not give you.
Apply in 5 Minutes