Small business loans and credit for service businesses

Service businesses wait on client payments, so a credit line or short loan covers payroll between invoices. QuickBooks Capital charges no fees, with rates from 13.49% APR, and you apply inside QuickBooks with a $50K revenue bar. It is only for QuickBooks Online users; Lendio shops one form to 75+ lenders, though expect sales calls.

All 12 loans & credit tools, ranked for service businesses

Tool	Fit for service business	Starts at	Pricing	Users	Integrations
QuickBooks CapitalIntuitFit 78	78	From 13.49% APR, no fees	Paid	n/a	QuickBooks Online (apply inside it)	View
LendioLendioFit 75	75	Free to apply	Free	n/a	Bank and accounting connections	View
Bluevine Line of CreditBluevineFit 75	75	Rates from 7.8%	Paid	n/a	Bluevine checking, bank connection	View
OnDeckOnDeckFit 72	72	Avg 53.2% APR	Paid	n/a	Bank connection	View
Square LoansBlockFit 70	70	Flat fee, no interest	Paid	n/a	Square only	View
Headway CapitalHeadway CapitalFit 70	70	Interest + 2% draw fee	Paid	n/a	Bank connection	View
KapitusKapitusFit 70	70	Rates from 6.2%	Paid	n/a	Bank connection	View
National FundingNational FundingFit 68	68	Rates by quote	Paid	n/a	Bank connection	View
Fora FinancialFora FinancialFit 65	65	Factor rates from 1.13	Paid	n/a	Soft credit check to apply	View
CrediblyCrediblyFit 65	65	Factor rates from 1.11	Paid	n/a	Soft credit check to apply	View
Stripe CapitalStripeFit 60	60	Flat fee, no interest	Paid	n/a	Stripe only	View
Shopify CapitalShopifyFit 10	10	Flat fee, no interest	Paid	n/a	Shopify	View