| ✅ Key Point | 📌 Details |
|---|---|
| 🏦 What is Big Think Capital? | A financial services marketplace launched in 2017, headquartered in New York, with an additional office in Florida. It connects small businesses with lenders and has funded over $1 billion to more than 25,000 clients nationwide. |
| ⚙️ How it Works | Big Think Capital offers a range of financial products, including term loans, SBA loans, equipment financing, commercial real estate loans, invoice financing, working capital loans, business lines of credit, and merchant cash advances. Borrowers can receive funding in as little as 24 hours. |
| 📊 Qualifications | Requirements vary by loan type, with credit scores ranging from none to 600–660, time in business from 3 months to 2+ years, and annual revenue from $50k–$240k |
| ⭐ Pros | Wide range of loan options, flexible requirements, fast funding, no hard credit pull, and exceptional customer service with dedicated funding specialists. |
| ⚠️ Cons | Some products carry higher costs, merchant cash advances may have significantly higher interest rates, and there are occasional discrepancies in credit score requirements. |
| 📝 UCS Rating | 4.1 out of 5 — strong reputation and fast funding, but transparency on rates and terms could be improved. |
Small business owners are often hard-pressed to secure the capital they need to cover expenses, hire employees, or expand their operations. Traditional banks can be reluctant to lend, especially to younger companies or those with lower credit scores. For many small businesses, the process can feel like a dead end.
That’s where alternative business lending companies, such as Big Think Capital, step in. Big Think Capital is a business loan marketplace that connects small businesses with lenders and financing options that may be more flexible than traditional banks. Still, with numerous financial products and lenders available in the market, it’s essential to carefully review each company before making financial decisions that will impact your business goals.
In this review, we’ll explore how Big Think Capital works and the available options to help you decide if it’s the right fit for your small business. Specifically, we’ll answer these questions and more:
Big Think Capital is a small business loan marketplace that connects applicants with a network of lenders. The company launched in 2017 and is headquartered in New York, with an additional office in Florida. Since its founding, Big Think Capital has served small businesses nationwide, helping over 25,000 clients secure more than $1 billion in business financing.
Big Think Capital provides funding that can be used for advertising, equipment, or new hires. You can receive funding from Big Think Capital in as little as 24 hours after applying. Business loans can be challenging to qualify for due to strict lending requirements, but Big Think Capital has more generous requirements than many lenders, making capital loans more accessible.
The company specializes in alternative and revenue-based financing, enabling access to capital for businesses with bad credit. This flexible approach helps business owners to secure funding for working capital, expansion, and other business objectives.
Big Think Capital’s approach is straightforward: it connects small businesses to lenders offering various loan options. Big Think Capital offers several popular small business loans to help small business owners access the working capital they need. Borrowers can receive funds from Big Think Capital in as little as 24 hours after approval is granted.
Here’s a closer look at the loan types Big Think Capital offers:
Small business owners can borrow up to $1 million with a small business term loan. Terms typically range from one to five years, depending on the lender. Business owners must have a credit score of at least 620 to qualify for a small business term loan. These loans are commonly used for expansion, refinancing business debt, or investing in long-term projects.
Big Think Capital offers SBA loans, which have the best interest rates and most generous terms. Loan amounts may reach up to $5 million, with repayment terms extending from 10 to 25 years. These government-backed loans are ideal for business growth and expansion, but SBA loans have strict requirements, including extensive documentation.
Big Think Capital connects clients with lenders providing commercial real estate loans. These can be used to purchase, refinance, or renovate property. Loan amounts and terms vary, but long-term repayment schedules are often available, making them suitable for expansion and property investment.
Equipment financing allows you to use equipment as collateral to receive capital equal to a percentage of the equipment’s face value. This option is particularly beneficial for industries such as manufacturing, construction, and healthcare, where the purchase of expensive equipment is necessary. Big Think Capital offers equipment financing of up to 100% face value.
Big Think Capital offers lines of credit that provide easy access to flexible financing with an established credit limit. Businesses can draw only what they need from the credit line, making this product helpful in covering short-term expenses or unexpected costs. You only pay interest on the funds you use. Business line of credit rates vary depending on the lender and your creditworthiness.
Invoice financing enables business owners with outstanding invoices to finance a percentage of their invoice amounts without incurring debt. This product helps improve business cash flow while waiting for customers to pay invoices.
Working capital loans are designed for day-to-day expenses. They provide fast access to additional funds, enabling small businesses to cover payroll, marketing, or operational costs without lengthy repayment terms.
Qualifications vary by product. Big Think Capital has more generous requirements than many lenders, making business loans more accessible.
Below is a summary of the business loan requirements for each loan type:
| Loan Type | Credit Score | Time in Business | Annual Revenue |
|---|---|---|---|
| Small Business Term Loans | 660+ | 1+ years | $100k |
| SBA Loans | 640+ | 2+ years | $50k gross profit |
| Commercial Real Estate | Unlisted | 2+ years | Unlisted |
| Equipment Financing | 600+ | 1+ years | $120k |
| Business Line of Credit | Unlisted | 6+ months | $120k |
| AR Invoice Factoring | No minimum | 3+ months | $240k |
| Working Capital Loans | No minimum | 3+ months | $75k |
Some Big Think Capital financial products may be structured as merchant cash advances (MCAs), which are not traditional loans but revenue based financing. These products can carry higher costs.
There is some discrepancy over term loan requirements, with some capital reviews stating a minimum credit score of 620, while the company’s website lists 660.
Big Think Capital’s loan process offers three different application paths:
Completing a Big Think Capital application won’t result in a hard credit inquiry, so it will not affect your credit scores. Borrowers with bad credit can still apply, and business owners can obtain a merchant cash advance with credit scores as low as 400.
Big Think Capital loans are well-suited to small business owners who need fast business financing. Borrowers can receive funds from Big Think Capital in as little as 24 hours after approval is granted.
Clients often return for repeat funding due to the exceptional customer service provided by Big Think Capital. Big Think Capital emphasizes personalized service by assigning each client a dedicated funding specialist.
Some loan options offered by Big Think Capital, such as merchant cash advances, may come with significantly higher interest rates than traditional bank loans. You can borrow up to $1 million with a small business term loan from Big Think Capital. The small business term loan requires a credit score of at least 620 and two years of business experience.
Big Think Capital offers a business loan affiliate program. ISOs and business loan brokers can sign up on the company’s website to provide its business loans to their clients.
Big Think Capital’s small business loan application process promises a fast and straightforward experience for borrowing funds.
Here’s a step-by-step guide:
Business owners can begin by completing a simple online application or by applying over the phone.
A dedicated funding professional will review your application and recommend loan options best suited for your business goals.
Depending on the product, you may be required to provide recent bank statements, tax returns, or other relevant financial records.
Your funding specialist will guide you through the entire process, helping you compare financing options and select the one that best fits your needs.
Once approved, borrowers can receive funding in as little as 24 hours, allowing small businesses to move forward quickly.
After receiving funding, repayment methods vary depending on the type of loan. Term loans and SBA loans typically involve fixed monthly payments. Merchant cash advances and working capital loans may involve daily or weekly payments based on revenue.
Prepayment policies vary by lender. Some capital offers may include early payoff discounts, while others may impose prepayment penalties. Many clients pursue renewal funding once their first loan is partially repaid, highlighting long-term relationships fostered by Big Think Capital’s team.
Big Think Capital’s benefits include its wide range of financial products, flexible requirements, and the ability to receive business funding quickly and efficiently. Business owners appreciate the hands-on support from funding professionals, and clients highlight the company’s exceptional customer service. Borrowers also understand that the loan process does not result in a hard credit inquiry, making it easier for small businesses with weaker credit scores to explore loan offers without incurring additional risk.
One downside is that some financing options, such as merchant cash advances, may carry higher costs than traditional bank loans. Negative reviews sometimes mention a lack of transparent terms, with customers wanting clearer communication about rates and repayment schedules. Additionally, the discrepancy in qualification requirements for term loans—specifically, a credit score of 620 vs. 660—has caused confusion.
Pros
Cons
Yes. Big Think Capital is a legitimate small business lending marketplace. The Better Business Bureau accredits the company, maintains physical offices in New York and Florida, and has funded over $1 billion to small businesses. Its reputation in the industry and strong client base further confirm its legitimacy.
Overall, capital reviews for Big Think Capital are overwhelmingly positive. Big Think Capital is rated ‘Excellent’ with a 4.9/5 rating on Trustpilot.
Positive reviews highlight the company’s exceptional customer service, fast funding, and knowledgeable team. Customers describe Big Think Capital’s customer service representatives as compassionate and knowledgeable. Many clients express overall satisfaction with the support and assistance they received from Big Think Capital.
Clients appreciate that Big Think Capital provides clear communication throughout the funding process. Customer experiences for Big Think Capital are overwhelmingly positive, highlighting fast funding, efficient service, and helpful loan officers. Some customers noted that Alan Hayon was incredibly helpful and educated clients on how to improve their business credit scores. A significant number of positive reviews highlight the responsiveness of Big Think Capital’s team.
Negative reviews are limited but typically focus on transparent terms and repayment structures. Some customers have expressed frustration with merchant cash advances, which carry higher costs than expected. Others noted confusion regarding qualification requirements and the communication of the loan process.
Big Think Capital may deny your loan application for various reasons, including failure to meet the minimum requirements or issues with your cash flow. Some applicants may apply for the wrong loan type to meet their needs.
If the marketplace, or one of its lending partners, denies your application, the denial letter should explain why, along with tips to improve your application and when you can reapply. If not, or if you require more information, contact Big Think Capital directly.
Fortunately, small business owners have a diverse range of lenders to consider. Many lenders offer similar products with more upfront transparency on rates and terms. Other small business loan marketplaces (like UCS) also provide a concierge approach, where a business funding expert can help guide you through the whole process step-by-step to help you choose the best deal for your needs.
You may be interested in one of the following small business loans:
Big Think Capital stands out as a financial services marketplace offering various loan options for small businesses. Its flexible requirements, fast funding, and hands-on support make it a solid choice for many business owners. However, those seeking transparent terms and lower-cost financing may want to compare lenders before making informed decisions.
Based on the available information, we rate Big Think Capital 4.1 out of 5. The business lending marketplace boasts a stellar online reputation and a diverse product offering, but could offer more transparency regarding rates and terms.
Disclaimer: The Big Think Capital trademark is owned by Big Think Capital Inc., and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Big Think Capital Inc.
