| Takeaway | What It Means |
| 🚫 Closed Brand | Fast Capital 360 no longer operates under its own name; the website redirects to iBusinessLender, so you can no longer apply with the company. |
| 🔀 Marketplace, Not a Lender | The company was a single-application marketplace that matched small business owners with a roster of lenders rather than funding loans itself. |
| 💵 Products Offered | While active, the company offered term loans, business credit lines, equipment financing, SBA loans, and merchant cash advances (MCAs) up to $500,000. |
| 📉 Cost Trade-off | Speed and easy access came at a price: MCA factor rates started near 1.10, well above bank pricing, and many products used frequent rather than fixed monthly payments. |
| ✅ Low Requirements | The company accepted credit scores in the low 500s with a soft credit pull, but generally preferred an operating history over funding startups. |
| 🧭 Your Alternatives | Comparable small business loans are available through United Capital Source, where one application reaches 80+ lenders, and a funding advisor helps you decide. |
Fast Capital 360 was a single-application lending marketplace founded in 2013, and its site now redirects to iBusinessLender. This review by United Capital Source, a full-service concierge business funding marketplace, covers what the company offered while active and your alternatives today.
| Signal | Detail |
| Status | Closed; Fast Capital 360 is no longer operating; this review covers what it offered before closing |
| Model | Single-application lending marketplace (not a single lender) |
| Funding range (when active) | As much as $500,000 across products |
| Funding speed (when active) | Decision in hours; funding as fast as 24 to 48 hours |
| Credit floor (when active) | Around 500+ FICO; some revenue-based paths lower |
| Founded | 2013, Pennsylvania (operated by Ivest 360, LLC) |
Searching for business loans often starts with a company name you saw in an ad or a roundup, and Fast Capital 360 was one of those names for years. If you have landed on this review now, the first thing to know is that the company is no longer operating on its own. If that was your plan for a cash crunch, it can feel like one more hurdle, but you have alternatives.
Fast Capital 360 was an alternative business lending marketplace, not a lender itself. The company gave small businesses a single application and a suite of financing options, then matched the file with a network of lenders capable of funding the right business loan or advance.
United Capital Source is a full-service concierge business funding marketplace that has helped over 40,000 small and midsize businesses access more than $1.6 billion in funding since 2011. While Fast Capital 360 has gone quiet, this review outlines comparable small-business loans you can still pursue and explains how the marketplace model works to secure funding.
In this review, we cover the following:
Fast Capital 360 was an online business funding marketplace that matched small and midsize businesses with a network of lenders. Founded in 2013 and based in Pennsylvania, the company operated under the entity Ivest 360, LLC and presented itself as a financial technology platform rather than a direct lender.
The brand is no longer active under its own name, and its web address now redirects to iBusinessLender. This separate small business funding marketplace offers the same single-application, lender-matching technology. Public filings do not confirm the corporate details of that transition. United Capital Source, the concierge funding marketplace publishing this review, covers what the company offered below. In the Alternatives section, where business owners can secure comparable funding today, this review will address those options.
While it was running, the company was a legitimate, long-established platform. It held a BBB A+ rating, though it was not BBB-accredited, and it promoted a 4.9-star Trustpilot rating built on positive customer reviews. A small business owner submitted one application, which the company sent to lenders for approval rather than lending its own capital. Because Fast Capital 360 set the match and the lender set the underwriting, the actual rate, amount, and terms a business received depended on which lender funded the file. Thousands of customers passed through the platform over the years.
| Editor’s note: Fast Capital 360 has closed
Fast Capital 360 no longer operates under its own brand. Its website redirects to iBusinessLender, a separate funding marketplace. This review reflects the products and terms Fast Capital 360 offered while active. Confirm any current offer directly with the provider before applying. |
Fast Capital 360 offered a standard menu of business funding products, all delivered by lenders rather than the company itself. The lineup covered common needs, from quick working capital to longer-term and asset-backed options.
Because the company ran a marketplace business model, each product was funded by a lender, so the exact structure a business received depended on who funded the file. Many of the company’s customers valued exactly that range of choice.
Fast Capital 360 products and amounts (when active)
| Product | Amount when active | Notes |
| Working capital loans | $500,000 max | Single application, multiple structures |
| Term loans | $500,000 max | Roughly 3 to 18 months |
| Business credit line | $250,000 revolving | About 6 to 24 months |
| Equipment financing | Up to 100% of equipment value | An asset serves as collateral |
| SBA loans | ~$350,000 (own product) | SBA-approved lenders went higher |
| Merchant cash advance (MCA) | $500,000 max | Repaid from a share of future sales |
| Invoice factoring | Up to 80% of invoice value | Turns unpaid invoices into cash |
Fast Capital 360’s business term loans ranged from 3 to 18 months and were repaid in fixed monthly payments with interest. Short term loans sat at the quicker end of that range, useful when an owner needed a fast loan to cover a near-term gap.
Picture a trucking firm that needed $80,000 in equipment financing ahead of a busy fall season: it could file one application to weigh a term loan against a lease in a day or two. The cost of any business loan came from the lender that funded it, not a single set price.
The company’s merchant cash advance, marketed as an MCA, was a fast-cash product designed for speed. Rather than fixed monthly payments, the merchant cash advance was repaid as a percentage of future sales and priced using factor rates rather than interest. Because repayment is flexible with revenue, this cash advance suited businesses with steady card volume but uneven months, and an MCA could fund quickly when cash was tight.
Beyond short-term cash, the company offered SBA loans of up to $350,000, its own business lines of credit of up to $250,000, and invoice factoring. A business line of credit gave revolving access that an owner could draw on and repay as needed.
Invoice factoring lets a business turn unpaid invoices into cash, advancing up to 80% of an invoice’s value, which matters most for companies stuck waiting on slow-paying clients. Its own SBA cap reflected the faster Express tier; the broader SBA 7(a) loan program reaches $5 million through SBA-approved lenders.
What tied these financing options together was a single application. One form puts a business in front of several lenders at once, so an owner could compare term loans, an MCA, and a line of credit side by side instead of applying to each lender separately.
Fast Capital 360 set no rates of its own; pricing came from whichever lender funded the file. Published ranges gave a rough sense of cost. Term loans started near 10%, equipment financing near 8%, and the company’s SBA-style loans near 7%, while an MCA was quoted as a factor rate starting around 1.10. Business lines of credit carried their own draw-based pricing. Actual numbers moved with the borrower’s credit, revenue, and time in business, and weaker profiles pay more.
Factor rates are the easiest pricing to misread. A 1.10 factor is not an interest rate. Consider a Pennsylvania retailer that took a $30,000 advance before the holiday season: at a 1.10 factor, it would repay $33,000, a fixed cost of $3,000 that did not shrink if the business repaid early. Converting a factor into a dollar cost and then into an effective annual rate is a dependable way to evaluate an MCA against a term loan or a credit line.
The trade-off across these products was speed and access in exchange for cost and repayment pressure. Short-term products and MCA offers were often repaid daily or weekly from sales, which could tighten cash flow during slow stretches, and the all-in cost typically ran well above what a qualifying business would pay at a bank.
None of these figures should be treated as current. They reflect what the company advertised while operating, so a business comparing offers today should price a live quote from an active provider; resources from the CFPB can help you evaluate the true cost of competing offers before you sign.
Fast Capital 360 set low entry requirements, accepting profiles that many banks would turn down. Being turned down by a bank stings, especially when payroll is days away. In practice, the company looked for a minimum credit score of 500, an operating history rather than a pre-revenue business, and consistent revenue, with recent bank statements used to evaluate cash flow.
A soft credit pull at the start meant checking eligibility did not dent the applicant’s score. Take a restaurant with a 520 credit score that needed $25,000 in working capital ahead of a busy summer: it would likely be too thin for a bank but a good fit, especially for a revenue-based MCA. Some borrowers with lower scores could still qualify when monthly deposits were strong.
Those thresholds are typical of revenue-focused marketplaces serving medium-sized businesses. Across United Capital Source, the lowest credit floor is 475 or higher through equipment financing and MCA paths, with stricter products such as SBA loans sitting at higher levels, so a small business declined for one option can often be matched to another without starting the process over.
The small business loan application process with Fast Capital 360 took about 4 minutes via a single online form. A small business owner answered a short set of questions, agreed to a soft credit pull that did not affect their score, and uploaded recent statements from a business bank account. The company’s technology screened each file against its lenders, weighed revenue and cash-flow data, and returned offers to applicants, often within hours; an efficient process meant that short term business loans and an MCA could be funded in as little as 24 to 48 hours, though not always the same day.
That process no longer runs. Because the company has closed, there is no live application to complete. The closest equivalent today is United Capital Source’s One Application, 80+ Lenders model: you apply once, a business advisor you can contact reviews your file, and an efficient process matches it across many lenders, so a decline by one lender moves to the next without you starting over.
Follow these steps to apply for a business loan through United Capital Source:
Match the amount and term to the purpose. Tie the borrowing amount to what the money buys and how long it earns interest, so the repayment horizon matches the return.
A term loan application requires a driver’s license, a voided business check, and business bank statements for the past 3 months. Larger requests, generally those above $100,000, may also call for a year-to-date profit and loss statement, a balance sheet, and business and personal tax returns.
An owner can call UCS or complete the one-page online application, entering the Step 2 information, the desired funding amount, and a short note on the use of funds.
A specialist follows up to walk through the rate, term, and repayment structure of each option, so the costs are clear before anything is signed. Each loan agreement sets out the rate, term, and repayment schedule in writing, and all offers are subject to credit approval and the lender’s final review.
Approved term loan files typically fund within 1 to 3 business days, with funds landing in the business checking account, ready to deploy.
Fast Capital 360’s strengths were speed and access; its weaknesses were cost and, ultimately, the brand’s shutdown. The honest summary: the company was well-suited to owners who needed money fast and could not wait on a bank, but it was an expensive way to borrow for anything routine.
Across its customer reviews, the company scored well on speed and service, and many customers praised how quickly funds arrived, and owners and customers alike flagged cost as the main trade-off. Because the company has closed, the most practical drawback today is simply that you cannot use it.
Fast Capital 360 pros and cons (when active)
| Pros | Cons |
| Fast funding, often 24 to 48 hours | Higher cost than bank financing |
| One application reached many lenders | Daily or weekly repayment on an MCA |
| Accepted credit scores in the low 500s | Short terms could strain cash flow |
| Broad suite of financing options | Did not fund pre-revenue businesses |
If you came here ready to finance your business and found Fast Capital 360 gone, take a breath: you are not stuck. Plenty of small business owners feel a jolt when a funding source they had bookmarked disappears, sometimes mid cash crunch, but strong options remain.
The company sat in the lending-marketplace category alongside lead-generation platform sites, single-product lenders, and traditional bank financing. Before applying anywhere, it is worth comparing how a provider actually works: whether someone stays with your file after the match, how many lenders it reaches out to, and what happens if the first lender says no. If an SBA loan is the goal, the government’s SBA Lender Match tool can also point you to SBA-approved lenders.
United Capital Source is a full-service concierge business funding marketplace built for exactly that comparison. One application connects you to a network of 80+ lenders, offering $1,000 to $25,000,000 in term loans, business lines of credit, equipment financing, SBA loans, invoice factoring, and merchant cash advances. Whatever business loan fits best, a dedicated advisor matches your file to the right-fit lender and reroutes it if needed, without making you reapply.
That model tends to fit owners who were drawn to Fast Capital 360 in the first place: small- to medium-sized businesses with steady revenue but imperfect credit, owners who need a business loan quickly, and operators comparing several small business loans at once. A medical practice weighing a $150,000 credit line during a growth phase, or a contractor who needs $40,000 for equipment before peak season, can run the same application and see which lender fits.
Here is where the model diverges from a faceless lead generation platform that hands off your details and goes quiet. A business advisor at United Capital Source is a real, helpful person you can contact directly, not a form lost in the void.
A couple of short calls review your revenue and financial data, and those calls get you a straight, helpful response from a funding professional. Because the team can compare every lender, they explain which option is a good fit, help you open the right account, and work hard to place your file efficiently. For an owner securing funding while juggling payroll and invoices, that human contact can matter more than a slightly faster portal.
Fast Capital 360 was a solid, fast-moving funding marketplace in its day, but its day has passed. For the years it ran, the company did what it promised: quick access to short-term capital for businesses that could not wait on a bank, at a cost that reflected that speed. It was never the cheapest path, and it did not serve startups, but it earned legitimate, positive reviews and served plenty of satisfied customers. With the brand now closed and its site redirecting elsewhere, the only practical verdict is forward-looking: use this review to understand what the company offered, then take that checklist to a provider you can actually apply to and sign with.
For most small businesses, Fast Capital 360, a concierge marketplace that compares many lenders on one application, is the natural next step, as this review has shown. Based on the available products, user reviews, and solid information on their website, we rate Fast Capital 360 as 4.2 out of 5. It’s one of our higher ratings.
| “When a funder you trusted closes its doors, it’s tempting to grab the first replacement that pops up, but it’s better to exercise caution. Take the rate, the terms, and the structure you were already quoted, and make the next lender earn your business against them. That is exactly what a marketplace is for.”
— Jared Weitz, CEO and Founder of United Capital Source |
No. As of June 2026, the company no longer operates under its own brand, and its website redirects to iBusinessLender. You can no longer apply with Fast Capital 360.
While it operated, yes. The company was a long-running Pennsylvania financing marketplace with a BBB A+ rating and positive customer reviews. It matched businesses to lenders rather than lending directly.
No. Fast Capital 360 was a lending marketplace, not a single lender. One application was matched to lenders, and the lender that funded the deal, not the company, set the rate.
Term loans, business credit lines, equipment financing, SBA loans, and merchant cash advances, with amounts up to $500,000, depending on the product and lender.
The company generally looked for a score in the low 500s, with some revenue-based MCA paths open to lower scores. A soft credit pull means checking your eligibility does not affect your score.
Decisions often came within hours, and short term loans and an MCA could be funded in as little as 24 to 48 hours, though not always the same day.
Public records do not confirm the corporate details. The company wound down, and its domain now redirects to iBusinessLender, a separate small business funding marketplace; we could not verify a specific acquisition.
United Capital Source offers a comparable single-application model across 80+ lenders, with business loan options from $1,000 to $25,000,000 and a business funding advisor to guide the match for your small business.
Fast Capital 360 may be gone, but your funding options are not. As this review explains, United Capital Source matches your small business to the right small business loans across a network of 80+ lenders, with one application and a funding advisor who guides you from start to finish. Thousands of customers have leaned on that help to keep their businesses steady. Reach out to a funding professional whenever you are ready.
| One Application, 80+ Lenders
Apply once and compare real offers across term loans, business credit lines, SBA loans, equipment financing, and more. See what your business qualifies for. |
Disclaimer:
This Fast Capital 360 review is for general informational purposes and reflects the company’s offerings as of June 2026; Fast Capital 360 is no longer operating, so verify any current funding terms directly with the provider. Business financing costs and availability vary by lender and qualification, and figures such as SBA loan limits can change, so consult the SBA or a qualified financial advisor before making borrowing decisions.
The Fast Capital 360 trademark is owned by Fast Capital 360, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Fast Capital 360.
Jared Weitz is the Founder & CEO of United Capital Source (UCS), one of the nation’s fastest-growing business financing marketplaces. Since founding the company in 2011, Jared has built a technology-enabled platform that has facilitated over $1.6 billion in funding to more than 40,000 businesses across the United States. Under his leadership, UCS has evolved into a full-service marketplace that connects business owners with 80+ lenders while providing hands-on guidance throughout the entire funding process. Rather than selling client information like most lead generation companies in the business loans space, UCS works directly with each applicant—leveraging technology and experienced funding professionals to match businesses with the right financing options, structure deals, and guide them from application through funding and future growth. Jared’s work has earned national recognition, including the National Commercial Loan Broker of the Year award in 2019, and placements on the Inc. 5000 list in 2015 and 2017. He also serves as Broker Council Co-Chairman for the Small Business Finance Association, where he helps advocate for expanded access to capital for small businesses nationwide.
