How QuickBooks Capital decides
QuickBooks Capital is still active in 2026, with loans originated by partner bank WebBank. There is a term loan up to roughly $200,000 and a line of credit up to about $100,000 against your unpaid QuickBooks invoices. The application is auto-filled from your QuickBooks Online account, and the underwriting runs on the financial data already sitting in QuickBooks. The published bar is around $50,000 in annual revenue, a FICO floor near 580 with 620 giving you a real shot, at least six months of QuickBooks history, no bankruptcy in the past two years, and availability in 48 states, excluding Alaska.
Why you are capped or declined
Because it underwrites off your QuickBooks data, your bookkeeping effectively is the underwrite. The offer is sized to the revenue and cash flow recorded in QuickBooks, not the full picture of money moving through your business. That creates a few predictable outcomes:
- Revenue outside QuickBooks is invisible. Cash, a separate POS, payments through other apps, or a second bank account that is not connected all understate your recorded revenue, which shrinks the offer or causes a decline.
- Incomplete or messy books understate you. Missing transactions, unconnected bank feeds, or uncategorized income give the model less to credit. The six-month history requirement is really a test of whether there is enough usable data.
- The product has a hard ceiling. Even a clean, high-revenue business cannot get above roughly $200,000 on the term loan or $100,000 on the line. If you need more, this lender simply cannot do it.
- Box-fit declines are absolute. A FICO under the floor, a bankruptcy inside two years, an Alaska address, or a prohibited industry is a flat no regardless of revenue.
How to get more than QuickBooks will give
The way around an accounting-data limit is to be underwritten on your actual bank deposits instead. Bank-statement and revenue-based lenders size funding to the total deposits across your business bank statements over several months, which captures every channel, cash, card, ACH, and multiple accounts, not just what was categorized in QuickBooks. That directly solves both the messy-books problem and the revenue-not-in-QuickBooks problem, because the underwriting never touches your accounting software.
These lenders also routinely fund well above QuickBooks Capital's ceilings, and they serve many industries that a prohibited-industry list would reject. They require bank statements and a basic credit check rather than six clean months inside one software product. If you were declined on credit rather than capped, our guide on business loans for challenged credit covers what is realistic. To see real numbers against your deposits, start an application.
For context, the Federal Reserve's 2025 Small Business Credit Survey found that a majority of applicants did not receive the full amount they sought, so hitting a ceiling or a partial offer is a normal step rather than a dead end.