Is your business eligible? Here are the minimum requirements:
- At least 11 months in business
- Annual revenue of at least $38,400
Quayside Growth Loan
A term loan with steady payments, priced on the full shape of your business — not a single credit line.
Competitively-priced small business term loans from $4,500 to $115,000 for first-time borrowers and up to $165,000 for repeat borrowers.
Check eligibilityIf your business is eligible1 to apply and is approved for a loan, funds land in your account as fast as the next business day.2
No hidden charges — you pay one competitively-priced fixed fee that you see before you apply. No late fees, no early repayment fees, no processing fees.3
Choose the term and payment that suit your business, then repay automatically on a predictable weekly schedule. Terms run 13 to 48 weeks depending on eligibility and loan size.
See whether your business qualifies without affecting your consumer credit score. Accepting an approved offer will trigger credit checks, which may impact your consumer credit score.
The lender for the Quayside Growth Loan is Pinebank, Member FDIC.
1 This is an invitation to apply and not an offer or commitment to provide capital. Applicants must satisfy certain requirements to be eligible. Lender approval required — terms and conditions apply.
2 The lender transfers funds as fast as the next business day for applications approved by 4:00 p.m. Central Time on bank business days.
3 In addition to the Total Loan Fee, the only other cost is an $18 Returned Item Fee, assessed only if a payment is returned.
Our short online application makes checking eligibility straightforward.
Check EligibilityYou'll be asked to confirm business and contact information. Seeing whether your business is eligible will not affect your consumer credit score.1
The lender may ask you to upload extra information to complete your application. Most Quayside Growth Loan applications don't require any financial documentation.
If approved, agree to the loan terms and the lender transfers funds to your Quayside Business account as fast as the next business day.2
1 Completing the questionnaire assesses your business's eligibility, lets you review estimated offers if eligible, and will not impact your consumer credit score. Accepting an approved loan offer will trigger credit checks and other public records checks, which may impact your consumer credit score.
2 The lender transfers funds as fast as the next business day for applications approved by 4:00 p.m. Central Time on bank business days.
Marrow & VineI was floored by how plain the Quayside process was. I assumed it would take weeks if we were lucky. I could not believe how quickly it moved.
Corbin CooperageThe payback schedule was very reasonable for us. It was quick, and I needed it right then. It genuinely changed the year for our shop.
Results or experiences may not be typical and may vary substantially across businesses.
loans in the U.S.
in U.S. business funding
small businesses served in the U.S.
of surveyed Quayside Growth Loan borrowers said they would use it again1
1 Quayside Growth Loan borrower survey, April 2024 – March 2025.
Fast, competitively priced, and transparent. This is not your traditional business funding.
Check eligibilityFunding as fast as the next business day1
One competitive fixed fee
No additional fees2
No credit check to see eligibility3
1 The lender transfers funds as fast as the next business day for applications approved by 4:00 p.m. Central Time on bank business days.
2 In addition to the Total Loan Fee, the only other cost is an $18 Returned Item Fee, assessed only if a payment is returned.
3 Completing the questionnaire assesses your business's eligibility, lets you review estimated offers if eligible, and will not impact your consumer credit score. Accepting an approved loan offer will trigger credit checks and other public records checks, which may impact your consumer credit score.
You complete a 5–10 minute online questionnaire to determine your business's eligibility. Your application may take longer if your identity cannot be verified automatically.
Once the questionnaire is complete, estimated loan terms can be tuned by adjusting the loan amount and duration to compare the cost of financing.
Once you select your desired terms and complete your application, if approved, you'll be prompted to electronically sign a contract including bank instructions so that payments can be debited weekly from your business checking account.
Most applications need no financial documents at all. If the lender needs more, you'll be asked to upload recent bank statements or a business tax return directly in the application.
Approved funds are transferred to your Quayside Business account, then withdrawn to your linked bank account on your usual schedule.
No. Checking eligibility and reviewing estimated offers uses no consumer credit inquiry. Only accepting an approved offer triggers credit and public records checks.
A limited personal guarantee is required from an owner of at least 20% of the business. The lender will show the exact terms before you sign.
Terms run from 13 to 48 weeks. The range offered to your business depends on eligibility and the loan amount you request.
Repayment is automatic: a fixed weekly amount is debited from the business checking account you authorize at signing. There is no penalty for paying early.
The Total Loan Fee is spread evenly across your weekly payments over the life of the loan — it is not charged up front.
Your business's eligibility, loan offer, and fee are based on an overall assessment of your business's health. The lender evaluates the credit history of the business owner and the business to determine approvability, the loan amount, and the fee.
Call our U.S.-based team and we'll be glad to help.
866-204-3178
Monday through Friday
7AM to 7PM CT
Saturday
10AM to 2PM CT
