Most of the businesses we fund don't look great on paper to a bank. They look great on paper to us.
FICO and revenue are real, names are not (NDAs). Pretty average week for us.
No portal logins, no document chase emails. Most clients are done with us inside 48 hours.
Form at the top of the page or pick up the phone. About a minute. We pull credit soft, so nothing hits your score.
Usually within the hour during business days. They ask for bank statements, pull a couple of offers, walk you through what the numbers actually mean.
If something works, you sign on your phone and the money lands. If nothing fits, no hard feelings. We'd rather you wait than take a bad deal.
We'll tell you which one fits, even if it's the boring answer. One application, multiple offers side by side.
Fixed payment, fixed timeline. Good for buying out a partner, consolidating higher-cost debt, or a clear expansion play. Rates from 7%.
Slower to close, cheaper to carry. Best for real estate, large equipment, or refinancing balances that are eating your margin.
Sits open and ready. Draw what you need, repay, draw again. You only pay interest on what's outstanding.
Faster, looser, more expensive. Right when you need to move this week and you'll repay quickly from cash flow.
The machine or vehicle is the collateral, which keeps the rate down. Useful when you don't want to tie up working capital.
If your customers pay on Net-30/60/90 and you can't wait, you sell us the invoice and we advance against it.
A lot of the names you've heard of run their files through us. Coming direct cuts a layer of markup and a couple of days.
Most files get an underwriter eyes-on within hours of you sending bank statements. We tell you yes or no and why.
You don't have to authorize a hard credit pull to find out what we'd offer. Hard pull only if you decide to move on something.
We submit once to multiple funding sources. You don't get re-pulled five times and you don't get re-shopped publicly.
The person you talk to is paid to find the right fit, not push the biggest one. Sometimes the right call is don't borrow yet.
If we missed yours, the specialist who calls you will get to it.
The form takes about a minute. Someone usually calls within the hour during business days. If your file is clean (bank statements ready, ID handy), money can hit by the next business day. Larger SBA-style loans take longer because the paperwork takes longer.
No. We use a soft pull to check options. A hard pull only happens if you tell us to move forward on a specific offer.
There's no hard cutoff. We've funded files in the low 500s and we've funded files in the 700s. What matters more than FICO is monthly deposits, time in business, and whether your bank statements look stable.
Term loans for strong files start around 7%. Short-term working capital prices higher because it's faster and looser on requirements. You see actual numbers before you sign anything. Walk away at any point.
Three to six months of business bank statements and a photo of your driver's license is enough to underwrite most files. SBA and larger term loans add tax returns and a P&L. We ask for documents once, not in a stream of emails.
Banks reject roughly 80% of small business loan applications and they take weeks doing it. We're a direct funder with a lender network behind us, so one application puts your file in front of multiple desks at once.
Trustpilot has us at 4.9 across thousands of reviews you can read right now. We've been at this over a decade and funded $1.5B+ to U.S. businesses. We never ask for upfront fees, gift cards, or wire transfers to release funds. If anyone ever does, that's not us.
Apply anyway. Pre-qualifying doesn't cost you anything and doesn't commit you to anything. Worst case you find out what you'd qualify for and file it away for later.
Pulled directly from public Trustpilot. The not-so-great ones are on there too, we don't hide them.
“They overlooked underwriting hurdles that other companies couldn't handle and helped me take my business to the next level. Funding was next day — they held my hand the entire way.”
“Daniel assisted me even while he was in the hospital. He and the entire Big Think Capital team made me feel like family and showed me they were truly looking out for my best interests.”
“The loan only took a few days to get approved and funded. Joe and Nic kept me in the loop the whole time, walked me through every step. Absolutely working with Big Think Capital again.”
About a minute to fill out. Soft credit only. We'll call you back same day with real numbers.