Square Loans vs QuickBooks Capital

Two loans & credit tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	Square LoansBlock	QuickBooks CapitalIntuit
In one line	Advances for Square sellers, repaid from card sales	Loans and a credit line for QuickBooks Online users, no fees
Starting price	Flat fee, no interest	From 13.49% APR, no fees
Six-person team	Flat fee, no interest	From 13.49% APR, no fees
Plans	One flat fee per loan, no interest; a fixed share of daily card sales repays it	Term loans $1.5K-$250K over 6-24 months (rate set per offer); line of credit $1K-$100K at 13.49%-35.99% APR; no origination, late, or prepayment fees; needs QuickBooks Online and about $50K yearly revenue
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Square only	QuickBooks Online (apply inside it)
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US · UK · CA · AU	US
Phone support	Plans not stated (US)	Plans not stated
Live chat	Plans not stated	Plans not stated
Support hours	Not published	Phone: Mon–Fri 6 AM–3 PM PT, closed weekends · Live chat: Mon–Fri 6 AM–3 PM PT, closed weekends
Incidents posted	14 incidents posted on Block's status page, which covers all Block products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Block. Status page	5 incidents posted on Intuit's status page, which covers all Intuit products and regions, in the 90 days to Oct 27, 2026; 2 marked major or critical by Intuit. Status page
Fit: Retail shop	90	70
Fit: Restaurant or café	85	65
Fit: Service business	70	78
Fit: Agency or studio	20	75
Fit: Trades or contractor	50	75
Fit: Online store	40	72
Why people pick it	Offers appear automatically No fixed monthly payment	No fees, so the APR is the rate Apply inside QuickBooks with a $50K revenue bar
Where it falls short	Must sell through Square Minimum repayment every 60 days	Only for QuickBooks Online users Term loan rates not published
	Visit Square Loans ↗	Visit QuickBooks Capital ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices

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