Working Capital
Term draws sized to your revenue, not your personal balance sheet.
Banking built for merchant-led brands
Reach working capital in a day, run your operating accounts in one place, and earn real cashback on every dollar you spend.
MarAprMayJunJulAug
TransactionsSee all
N
Northlane Media26 February
− $815.60
P
Parcelo Freight24 February
+ $782.00
S
Storefront Payout24 February
+ $460.75
Quillon
Quillon
Quillon
+$432.49
Cashback
Credit approved···
$90,000.00
View details →
GLASSMEADOW
Torvi
Almsen
hoya.
MERIDIAN GOODS
KESTRELSUPPLY CO
Total control over your e-commerce finances
Run your store on one operating system for money — accounts, cards, and credit that understand how merchants actually get paid.
Cashback on every swipe
Manage spend with virtual and physical corporate cards, and earn back on every transaction you route through them.
- Up to 4.1% cashback at the merchants you already buy from
- Transactions sync nightly to Ledgerly, Basewise, and other bookkeeping tools
- Set spend permissions by card, team, or entity
QuillonVirtual
+$320.00Cashback
QUILLONBusiness
Flexible working capital5
Draw against your revenue in one click. Underwriting reads your sales data, not your personal credit file — no hard pulls, ever.
- Choose 30, 60, or 90-day terms to match your revenue cycle
- Spend it on anything the business needs, with no category limits
- A repayment schedule you can read in full before you draw
Global USD accounts
Founders in 104 countries can hold and move dollars — including stablecoin rails — without a U.S. entity or a local branch visit.
- Send wires, ACH, and stablecoin payments without a U.S. bank account
- Receive marketplace and storefront payouts directly
- Built for self-custody, with recovery you control
WWren Treasury Wallet
$USD stablecoin
•$4,520.00
$50.3m
Total cashback earned
by customers on Quillon
“We run every outgoing payment through Quillon now — the cashback line alone covers a junior hire. It changed how we think about ad spend.”
Priya Raghavan, Hollowbrook Footwear
The complete financial platform
Corporate Cards
High-cashback cards with controls built in at the issuing layer.
Business Checking
Operating accounts tuned for merchants — no minimums, low fees.
Transparent pricing with features tailored to your business
Standard
$0/month
Everything a growing store needs to bank, with no strings attached.
Start for free- Hundreds of millions in pass-through FDIC insurance
- Same-day ACH transfers — $1
- Domestic wire transfers — $6
- Instant-rail payouts — $5
- Unlimited virtual cards
- International wire transfers — $22
- Foreign transaction fee (card) — 1% (min $0.40)
- Stablecoin on/off ramp — volume based
- Multi-entity accounts — 2 included
Scale
$28/month
For teams that need multi-entity structure and industry-specific controls.
Get started- Hundreds of millions in pass-through FDIC insurance
- Same-day ACH transfers — $0
- Domestic wire transfers — $0
- Instant-rail payouts — $0
- Unlimited virtual cards
- International wire transfers — $22
- Foreign transaction fee (card) — 1% (min $0.40)
- Stablecoin on/off ramp — volume based
- Multi-entity accounts — unlimited
Apply in less than 10 minutes today
Join the 3,140 merchant teams already banking with Quillon.
Contact salesFrequently asked questions
Don’t see the answer you’re looking for? Get in touch.
Where are my funds kept and are my deposits FDIC insured?
Quillon works with two FDIC-insured partner banks, Harlow Trust and Beckwith National Association. You can see which bank holds your balance by opening any statement in the dashboard.
Through Beckwith N.A., Quillon customers get access to a sweep network of vetted institutions. That network provides up to $200M in pass-through FDIC insurance2 by spreading deposits across as many as 780 banks, without asking you to open and manage separate accounts.
Our Treasury6 product is offered through an additional partner, Sagebrook Securities LLC, a registered broker-dealer. The money-market funds available inside Quillon Treasury are managed by Aldermoor Asset Management.
Can I apply for an account if I’m not physically in the United States or a U.S. resident?
Yes. Founders in 104 countries can open a Global USD account without a U.S. entity. You’ll need a government ID, proof of business registration, and a description of what you sell.
What does it cost to use Quillon for a business?
The Standard plan is $0 per month and covers checking, cards, and payouts. Scale is $28 per month and adds unlimited entities, waived wire fees, and priority underwriting on working capital.
Is there a limit to how much cashback I can earn?
There is no monthly cap. Rates step between 1.4% and 4.1% depending on the merchant category and your trailing 90-day card volume.
What is Quillon Capital and who underwrites it?
Quillon Capital is our working-capital product. Draws are underwritten on connected sales and payout data by Quillon Lending LLC, and repaid on a fixed schedule you approve before the funds land.