Quickie’s Fast Growth Points to a Shift in How Small Businesses Get Funded

Ask an entrepreneur what keeps them up at night, and the answer is rarely a shortage of ideas. It is timing. The chance to buy inventory at a discount shows up on a Tuesday and expires on a Friday. A second location opens up across town, but the landlord wants a commitment this month. A big client finally says yes—and the payroll to serve that client comes due weeks before the first check arrives.

For owners who are running lean, the most expensive capital is often the kind that shows up too late.

That timing problem is the one Quickie was built to solve. Operated by Quickie Business Services LLC, the online funding platform now has thousands of business owners on it, and the company says its growth reflects a shift in what entrepreneurs expect: an answer they can act on, and numbers they can understand before they commit. Its tagline, “Need Cash? Try Quickie,” keeps things casual. The model behind it is anything but.

Built for the way owners actually work

Most small-business owners don’t have a finance department. They have a phone and a to-do list. Quickie’s core product—business funding from $500 to $10,000—is designed around that reality. The application is online and short. Instead of assembling folders of documents, an owner securely connects the business bank account, and the platform is designed to read the business’s real cash flow. In many cases, a decision comes back within minutes, and funds are often available the same day.

For established businesses that are planning something bigger—a buildout, a new truck, a seasonal inventory push or a contract that needs more hands—there is Quickie Prime, with funding from $10,000 up to $1 million. With the owner’s permission, one application reaches Quickie and its network of funding partners. A dedicated funding specialist follows up quickly to walk through the options, and approved offers land side by side in a single online portal, where the owner decides which, if any, to accept.

Fast funding, but it isn’t a loan

Fast money has earned a mixed reputation among entrepreneurs, often because the speed came first and the clarity came later. Quickie’s pitch reverses that order.

Quickie claims its own funding is not actually a loan. Instead, the company purchases a portion of a business’s future receivables, and remittances are based on the business’s sales. Owners who complete their agreement early may save, and businesses in good standing may qualify for additional funding without starting over.

Before an owner signs anything, each Quickie offer lays out the funding amount, the total cost—including any origination fee—and how remittances work. In states that require standardized commercial financing disclosures, those disclosures come with the offer.

The company is just as plain about its limits. “We fund what your cash flow can comfortably support, and we show every number before you commit,” the company says. All funding is subject to underwriting approval.

Cash flow over labels

For many owners—especially those in industries traditional institutions treat as difficult to underwrite—Quickie says the most refreshing part of its process is what the company actually looks at. The business’ bank account connects securely through the Plaid API, so Quickie never sees or stores a banking login, and the platform is designed to evaluate the cash moving through the business. Quickie’s own credit check is a soft inquiry, so checking options with Quickie won’t affect an owner’s personal credit score.

“We underwrite on cash flow, not your industry label,” the company says. “If money’s coming in, you’ve got a real shot.”

That approach is said to have drawn owners from across Main Street: salons and barbershops, coffee shops and restaurants, food trucks, trucking and logistics firms, contractors and trades, e-commerce sellers, auto shops, gyms, agencies and creators. What they share is steady sales flowing into a business bank account.

The team behind the platform

Quickie has been investing in people as much as in product. A growing team of funding specialists works one-on-one with Prime applicants with the idea that larger requests get a quick, personal response. A partner program gives brokers, agencies, ISOs, and creators simple referral links and real-time tracking for the business owners they already serve. And every owner is meant to manage offers, documents, remittances and updates in one portal built to work as well on a phone as on a laptop.

This funding method may not be for everyone. Borrowers who experience sudden revenue downturns or seasonal lulls can face cash flow strain, as daily or weekly automated withdrawals continue drawing from their operating accounts. But Quickie says the measure that matters most is repeat business: owners coming back for a second and third round because the first one went the way Quickie said it would.

What comes next

Quickie describes the months ahead as the most exciting stretch in its history. The company plans to keep scaling both Quickie and Quickie Prime, grow its team and partner network, and keep investing in responsible-funding practices as the rules around commercial financing evolve.

It is also moving into new verticals beyond its core funding business. The company is keeping the details quiet for now, but says it is very excited about what’s coming.

For entrepreneurs, the lesson is a familiar one: the best opportunities rarely wait for paperwork. Quickie is building for the owners who don’t, either.

Quickie Business Services LLC provides business funding through the purchase of future receivables. This is a commercial transaction, not a consumer loan, and remittances are based on the business’s sales. Quickie’s own funding is not available in every state. Quickie Prime offers may come from Quickie or third-party funding partners; product types, terms and availability vary by partner and by state. Funding amounts shown are ranges; approved amounts depend on each business’s qualifications. All funding is subject to underwriting approval and is not guaranteed, and decision and funding times are typical, not guaranteed. Learn more at tryquickie.com.

Entrepreneur Media was not involved in the creation of this content.