| Takeaway | Key Insight |
|---|---|
| 🚀 Fast Access to Funding | BusinessCapital.com focuses on quick approvals and fast access to business funding, with some borrowers receiving funds the same day after approval. |
| 🏢 Established Alternative Lender | Formerly Business Capital, LLC, the company, which launched in 2013, is headquartered in Hallandale Beach, Florida, and operates nationwide across multiple industries. |
| 💼 Wide Range of Funding Options | Available products include business lines of credit, short-term loans, long-term loans, invoice factoring, equipment financing, merchant cash advances, and SBA loans. |
| 📊 Flexible Minimum Qualifications | Minimum requirements include a credit score of 500+, 6+ months in business, and $15,000+ in monthly revenue, though eligibility varies by loan type. |
| ⚠️ Higher Costs on Fast Funding | Some products—especially merchant cash advances—can carry high effective APRs, sometimes exceeding 50%, making cost evaluation critical. |
| 🧾 Streamlined Application Process | The online application is free, takes only minutes to complete, and typically does not impact credit unless an offer is accepted. |
| ⭐ Mixed Customer Reviews | Reviews often praise speed and customer service, while negative feedback frequently mentions high costs, communication issues, or feeling misled during the process. |
| 🏆 UCS Rating | United Capital Source rates BusinessCapital.com 4 out of 5, citing product variety and speed as strengths, with cost transparency as the main drawback. |
Alternative and online lenders continue to change how small business owners access capital. Platforms like BusinessCapital.com® (formerly Business Capital, LLC) use fintech-driven tools to connect businesses with fast business funding, simplified applications, and quicker approvals than traditional bank loans. For many small businesses, this model offers rapid access to working capital that can help stabilize cash flow, support growth, or cover short-term expenses.
However, the convenience of alternative business lending often comes with trade-offs. Rates and fees can be higher than traditional financing, and loan structures may be more complex. That makes it critical for business owners to carefully review any lender, understand the full cost of capital, and compare options before moving forward.
In this review, we’ll explore how BusinessCapital.com works to help you decide if it’s the right lender for your needs. Specifically, we’ll answer these questions and more:
BusinessCapital.com (Business Capital) is an online business funding company that provides small business loans and alternative financing solutions to U.S.-based businesses. The company focuses on helping small businesses access capital quickly by using technology to streamline the approval and funding process. BusinessCapital.com offers fast online business loans, including lines of credit, short- and long-term loans, equipment financing, and SBA loans.
Founded in 2013 and headquartered in Hallandale Beach, Florida, BusinessCapital.com positions itself as a direct lender, offering multiple financing products to meet a range of needs, from short-term cash-flow gaps to long-term business expansion projects. The company works with a wide range of industries, including retail, hospitality, construction, healthcare, professional services, and e-commerce.
BusinessCapital.com states that it has delivered billions in business funding over the years and emphasizes speed, flexibility, and accessibility as core parts of its mission.
Business Capital, LLC rebranded as BusinessCapital.com® to align with the launch of its updated online funding platform. The rebrand reflects the company’s shift toward a more fintech-focused model. It highlights its emphasis on digital tools, efficiency, and streamlined access to business loans for small business owners nationwide.
Business Capital is a direct lender offering multiple types of business funding through a single application process. Business owners start by submitting an online application, after which the company reviews bank data, revenue, and credit details to determine eligibility across its available loan products.
The Business Capital review process can help businesses pre-qualify for various funding options, including lines of credit and term loans. In many cases, funds may be available on the same business day after approval. Business funding can be used for various purposes, including payroll, expansion, and cash flow financing.
Below is an overview of the primary funding options available through Business Capital.
Business lines of credit provide access to a revolving line of credit that can be withdrawn from as needed. This type of business credit allows companies to borrow only what they need and repay funds as cash flow allows, helping them manage short-term expenses or seasonal fluctuations. Lines of credit are commonly used as flexible working capital solutions for growing small businesses.
Short-term business loans from BusinessCapital.com are designed for businesses that need quick access to capital and plan to repay them over a shorter period. These loans typically feature higher rates than long-term loans but offer faster approval and funding, making them a common choice for urgent capital needs.
Long-term business loans offer larger amounts with longer repayment terms. These business loans are often used for expansion, business acquisition, or refinancing existing debt. Long-term loans generally offer more predictable monthly payments and lower effective interest rates than short-term options, depending on creditworthiness and eligibility.
Invoice factoring allows businesses to access capital tied up in unpaid customer invoices. Instead of waiting weeks or months for payment, businesses can sell invoices at a discount to receive funds quickly. The factoring company then collects payment when customers pay their invoices. This option is commonly used by B2B companies that rely on consistent cash flow.
Equipment financing helps businesses acquire or upgrade equipment without paying the full cost upfront. The equipment itself often serves as collateral, making this option more accessible to companies with limited credit history. Equipment financing can be used to acquire vehicles, industrial equipment, machinery, or technology essential to daily operations.
Merchant Cash Advances (MCAs) offer a lump-sum upfront payment, repaid as a percentage of daily credit card sales. MCAs typically have higher fees and interest rates compared to traditional loans. While this option provides fast access to funding, it can significantly impact cash flow and should be evaluated carefully. MCAs may also be listed as business cash advances.
Business Capital also facilitates SBA loan applications. The Small Business Administration partially guarantees the loans. SBA loans generally offer longer terms and lower rates than many alternative lending products, but they involve a more detailed application process and stricter eligibility requirements.
BusinessCapital.com lists the following minimum eligibility requirements for business funding:
Exact eligibility requirements vary depending on the loan type, amount, and terms. Short-term loans and merchant cash advance products may have more flexible credit requirements. In contrast, long-term loans and SBA loans typically require stronger business credit, longer operating history, and higher revenue.
| Loan Type | Minimum Credit Score | Revenue Requirement | Time in Business | Notes |
|---|---|---|---|---|
| Business Line of Credit | 500 | $15,000 per month | 6+ months | Basic revolving credit option with relatively flexible requirements. |
| Short-Term Loan | 500 | $15,000 per month or $180,000 annually | 6+ months | Designed for quick access to capital, underwriting is typically more flexible. |
| Long-Term Loan | 700 | $500,000 annually | 2+ years | Higher credit and revenue standards due to longer repayment terms. |
| Invoice Factoring | Undisclosed | Undisclosed | Undisclosed | Approval is generally based more on the quality of the customer invoice than on the borrower’s credit. |
| Equipment Financing | 520 | $50,000 annually | 1+ year | Equipment often serves as collateral, lowering credit requirements. |
| Merchant Cash Advance (MCA) | 520 | $15,000 per month | 6+ months | Approval is primarily based on consistent revenue and cash flow. |
| SBA Loans | Undisclosed | Undisclosed | Varies | Must be actively operating, for-profit, and meet SBA size standards; typically requires stronger overall qualifications. |
Business Capital states that applying for funding does not affect business or personal credit, suggesting a soft credit pull during the initial review. However, accepting an offer may result in a hard inquiry, which can temporarily impact credit scores.
Repaying certain loans may help build business credit if the loan activity is reported to credit bureaus like Dun & Bradstreet. However, not all funding arrangements get reported to the business credit bureaus. Carefully read over any funding or loan agreement to see if payment activity gets reported.
Funding speed can vary based on the loan product selected, documentation requirements, and state regulations. Same-day business funding may be available in some instances, but applications must generally be submitted before 10:30 am to qualify. The funding process can be streamlined by using technology to assess bank data and revenue.
Alternative business funding provides faster access and broader eligibility than traditional bank financing, but it often comes at a higher cost. Effective APRs for fast-funding options like merchant cash advances (MCAs) can exceed 50% depending on the factor rate.
Overall, BusinessCapital.com maintains a mixed online reputation. Customers have expressed satisfaction with the customer service provided by Business Capital representatives. At the same time, some individuals have expressed concerns about high interest rates associated with certain types of business financing, such as MCAs.
Some users have warned others not to provide personal information to Business Capital due to alleged deceptive practices. Some users reported negative experiences with Business Capital, claiming they were misled during the application process.
BusinessCapital.com doesn’t publish information about a business loan affiliate program on its website. ISOs and business loan brokers should contact them directly to discuss any potential partnership programs.
The small business loan application process at Business Capital is designed to be quick and efficient for small business owners.
The business funding process typically begins with an online application that takes only minutes to complete.
After the application is submitted, the funding team reviews it and presents the best funding options for the business.
Many applicants receive a decision on their funding application within 24 hours.
The business funding process often requires a brief call and signing an agreement before funds are released.
Once approved and finalized, you’ll typically receive funding in your business bank account.
Repayment terms depend on the type of funding selected. Lines of credit and term loans typically involve regular weekly or monthly payments. Merchant cash advances are repaid through daily or weekly deductions based on sales volume. Invoice factoring repayments are tied directly to customer invoice payments.
Business Capital states that many of its funding solutions do not include a prepayment penalty, allowing businesses to repay early and potentially reduce overall costs. Carefully review funding agreements from any lender to ensure you understand your repayment obligations and any potential penalties or cost-saving opportunities.
Business Capital offers multiple funding options through a single application, saving business owners time. The platform focuses on speed, flexible eligibility, and access to capital for businesses that may not qualify for traditional bank loans.
Some financing options offered through Business Capital can be costly, particularly merchant cash advances and short-term loans. Terms and fees may vary widely, making it essential for businesses to review agreements carefully before signing. In addition, some funding options have longer processing and closing speeds, impacting when you can receive your funds.
Pros:
Cons:
BusinessCapital.com is a legitimate business funding company that has been operating for more than a decade. The company is transparent about its products and maintains an online presence through its website and third-party review platforms. BusinessCapital.com holds an A+ rating with the Better Business Bureau (BBB).
Business Capital has received mixed reviews: some clients praise their services, while others warn against using them due to poor experiences. The lender is rated 3.9/5 on Trustpilot.
Positive reviews often mention quick applications, fast access to funding, and helpful representatives. Clients appreciate the ease of the application process with Business Capital. Several reviews highlight Business Capital’s reliability in providing the necessary funding for various business needs. Many customers report that Business Capital offers quick and efficient service.
Negative reviews tend to focus on communication issues, higher-than-expected costs, and follow-up concerns. Some users have reported negative experiences, citing origination fees and other unexpected costs.
Business Capital may deny a lending application for various reasons, such as poor credit or insufficient business history. Low revenue or inconsistent cash flow may also cause a denial.
If declined, the company should provide a written explanation. If not, or if you require more information, contact Business Capital directly.
Fortunately, small business owners have many lender options to consider if Business Capital isn’t the right fit. Online lenders typically offer similar products and easy applications.
Working with a small business loan marketplace like United Capital Source enables you to apply to a network of lenders with a single application. You can then get guided support in choosing the best deal for your business.
You may be interested in one of the following small business loans:
Business Capital can be a strong option for small business owners seeking fast access to capital and flexible funding options. Businesses with consistent monthly revenue and short operating histories may benefit most. At the same time, companies seeking the lowest possible rates or long-term bank-style financing may want to explore alternative lenders.
Based on the available information, we rate BusinessCapital.com 4 out of 5. It’s a solid option with a diverse range of business loans.
Disclaimer: The BusinessCapital.com trademark is owned by Business Capital, LLC, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement by Business Capital, LLC.
