Frequently Asked Questions
Everything you need to know about Quantum Capital's services, process, and how we help you secure funding.
If you have additional questions, feel free to contact us -
we’re here to serve our fellow entrepreneurs!
General Questions
What is Quantum Capital?
Quantum Capital is a professional services consultancy specializing in securing $50,000–$200,000+ in 0% interest business credit. We empower entrepreneurs by providing the funding they need to scale their businesses without risking personal cash, credit, or investments.
Are you a lender?
No, we’re not a lender. Quantum Capital uses our proprietary systems, strategies, and relationships with banks to secure the funding you need. Think of us as your guide and advocate in the funding process.
What makes Quantum Capital different?
At Quantum Capital, we’re not just a funding service - we’re entrepreneurs too. We understand firsthand the challenges of building and scaling a business, and we share a unique worldview: the world is changing rapidly, and entrepreneurs like you are at the forefront of shaping what comes next.
Our commitment goes far beyond securing funding. We’re here to support your success by providing the resources, support, and community you need to truly thrive.
We know what’s at stake, and we’re ready to stand with you on the front lines—empowering you to protect and provide for your family while building a brighter future for generations to come.
Is 0% interest funding too good to be true?
Here’s the truth: there’s no catch.
All we’re doing is leveraging introductory offers on business credit cards. Hundreds of banks have them, and you could go out and try to access these offers on your own. But if you’re looking for more than $30,000–$50,000, it’s tedious, time-consuming, and near impossible to acquire higher amounts without the right relationships and strategy. That’s where we come in!
Eligibility and Requirements
Who qualifies for your funding services?
If you have a credit score of 680+ and a business that’s at least two years old, you may qualify. If you have strong credit but no business yet, we can help with that too. If your credit is less than 680, we can refer you to trusted partners to help get you funding-ready.
Can startups or businesses without revenue qualify?
Yes! Even if your business is new, we can help you access funding as long as your personal credit meets the requirements.
What credit score is needed to qualify?
Ideally, you need a credit score of 740+ with less than 30% credit utilization. 680 is the bare minimum. The ideal credit profile also has at least a $20,000 credit limit and 4 years average age, with no late payments and no collections or chargeoffs. If you're unsure, schedule a Credit Strategy Call today so our team can help you.
Funding Process
How does the process work?
Our process is simple yet effective and “done for you.” We start by optimizing your credit and setting up your business to ensure everything is funding-ready. Then, using our proven strategy and direct relationships with bankers, we secure $50,000–$200,000+ in 0% interest funding for you in as little as 7 days.
Does my current income or business revenue matter?
No! Our process is designed to work for business owners at every stage. As long as you reasonably expect to grow your business as a result of the funding (and everyone should!), we can serve you regardless of your current income or revenue. Up to a certain threshold, no financial documentation is required, making it accessible even for startups and businesses without substantial revenue.
How long does the process take?
Typically, it takes 2–4 weeks to secure funding in hand. Once applications are submitted, approvals can take as little as 7 days. Time to funding depends on your current personal credit score and business setup.
What happens if I don’t get approved?
If you don’t qualify for funding, you don’t pay anything. Our fee structure ensures we only win when you win.
Will I be informed of every step in the process?
Absolutely. We prioritize communication and provide updates at every stage. Your dedicated Funding Manager will guide you through the process and a Customer Success Manager will be available to support as well.
Credit Optimization
Why is credit optimization necessary?
Even if your credit score is good, optimizing it can significantly increase your funding potential. For example, improving your score by just 20 points can unlock $50,000+ more in funding.
What happens if my credit score doesn’t improve as expected?
If challenges arise, we’ll adjust our strategy and still work to secure the best possible funding for you.
Personal vs. Business Credit
Why do you use personal credit instead of business revenue or credit history?
Banks primarily rely on personal credit for unsecured business funding, especially for startups or newer businesses without a financial track record.
How can I avoid mixing personal and business credit?
We help you establish separate business credit accounts tied to your business EIN, keeping your personal and business finances distinct.
What are the benefits of business credit?
Business credit offers substantial advantages over personal credit:
Significantly higher funding amounts compared to personal credit cards.
Maxing out business credit cards won’t impact your personal credit, unlike personal cards, which can quickly damage your financial standing.
0% interest introductory offers provide cost-effective capital for 6–18 months.
Payment protections and perks, like free travel and purchase security, are tailored for businesses.
Plus so much more!
If you own a business, leveraging 0% interest business credit is a no-brainer for growth and flexibility.
Fees and Pricing
How much do your services cost?
Our fee is success-based and paid on the back end from the funding we secure for you. There’s a small upfront fee to initiate the process, which we’ll explain clearly during onboarding. The remainder of our fee is only due after you receive funding—meaning you don’t have to risk personal cash, credit, or investments. This approach also protects your equity and keeps you in full control of your business.
Are there any hidden fees?
No hidden fees. The only additional cost is maintaining a credit monitoring service, like MyScoreIQ, for about $30/month and whatever else needs to be paid to setup your business properly if not done so already.
Trust and Results
How do I know this isn’t a scam?
Quantum Capital is a reputable consultancy with a proven track record. Our testimonials and success stories speak for themselves. Plus, we don’t get paid until you do. Feel free to check out our Results page and see for yourself. :)
What happens if I receive less funding than expected?
At Quantum Capital, we do not promise specific funding amounts, as we are not the lender. Funding decisions are determined by factors such as underwriting protocols, your credit profile, business setup, revenue, and market conditions—many of which are outside our control.
That said, we do everything possible to position you for maximum success. Our process optimizes your credit, business structure, and funding strategy to secure the highest amount feasible. Since our fee is success-based and paid only after you receive funding, we’re fully invested in your success. Simply put, we win when you win.
Ready to elevate your vision and expand your impact?