| Takeaway | Details |
|---|---|
| 🚀 Fast Funding | Moby Capital can provide same-day or next-day funding for eligible businesses. |
| 🤝 Bespoke Funding Model | Offers customized financing solutions, including revenue-based funding, term loans, invoice factoring, and more. |
| 🏢 Established Alternative Lender | Based in Austin, TX, serving small businesses across virtually all industries. |
| 📞 Mixed Customer Feedback | Many praise the professionalism and speed, while others report aggressive calling and communication issues. |
| 💸 Higher-Than-Average Costs | Funding is generally more expensive than traditional lenders, especially RBF and short-term products. |
| 📄 Flexible Qualifications | Requires at least six months in business and consistent revenue; startups are not eligible. |
| 💬 Strong Support Experience | Dedicated account managers help guide applicants through the entire process. |
| ⭐ UCS Rating | 4.1 out of 5 |
Today’s small business owners often face significant challenges securing financing from traditional lenders. Banks and credit unions typically require excellent credit, several years in business, strong financials, and substantial collateral. For many entrepreneurs looking to seize business growth opportunities, those constraints can make conventional financing feel out of reach. As a result, more small businesses are turning to alternative lenders offering fast, flexible funding options tailored to real-world business needs.
Moby Capital—also known as MobyCap—is one such alternative financing company. The company focuses on bespoke funding solutions designed to meet the unique needs of small businesses across a wide range of industries. Instead of taking a one-size-fits-all approach, the company emphasizes innovative strategies, customized offers, and a smooth, easy process from the funding application.
As with any financing company, business owners must carefully evaluate the entire process, including the business loan options, costs, terms, customer experience, and online reviews. Understanding these details is essential to ensuring you get the right loan for your small business and make an informed, strategic decision.
In this review, we’ll explore what you must know about Moby Capital, including the loan options, pros and cons, and application process, to help you decide if it’s right for you. Specifically, we’ll answer these questions and more:
Moby Capital (MobyCap) is an alternative business lending company that provides tailored financing solutions for small and midsize businesses. The company is headquartered in Austin, Texas, and positions itself as a trusted partner for entrepreneurs seeking fast working capital to meet urgent needs or fuel business growth.
In line with the company’s core values, MobyCap’s mission is to offer transparent, flexible financing programs, backed by a team committed to supporting business owners at every step of the funding process. The company has helped over 5,000 businesses access more than $2 billion in funding.
MobyCap primarily targets established businesses with consistent revenue and unique needs, including those pursuing opportunities that traditional lenders cannot fund quickly or efficiently. Its bespoke funding model is designed to reflect the company’s focus on delivering customized options, ensuring clients receive offers aligned with their long-term interests, cash flow, and growth strategy.
Moby Capital emphasizes transparent funding processes and clear communication about program details and loan options. Moby Capital offers personalized support from dedicated account managers.
Moby Capital provides fast business funding up to $5 million to companies in virtually all industries. It uses a streamlined application process to help small businesses access capital quickly. The company begins by evaluating a business’s revenue, industry, goals, and overall financial health. From there, it matches applicants with a funding product tailored to their needs.
Moby Capital offers customizable funding options, including business cash advances, lines of credit, invoice factoring, and term loans. These diverse options provide business owners with a range of options to meet short-term and long-term funding needs.
While funding timelines vary, many customers report a smooth, seamless experience. The typical funding process involves a thorough assessment of business needs, a quick application review, and prompt communication with clients. Customers note that Moby Capital can provide funding quickly, often within a short time after completing the application process.
Below is a detailed look at each product.
Moby Capital’s revenue-based financing (RBF) product provides working capital based on a business’s projected future revenue. Instead of traditional interest rates, businesses repay through a fixed factor rate with payments tied to their cash flow.
This allows companies with fluctuating revenue—particularly retail, eCommerce, restaurants, and service-based firms—to access capital without traditional collateral or long underwriting timelines. RBF can provide same-day business funding in some cases, making it a fast solution for businesses facing urgent expenses, payroll needs, inventory purchases, or unexpected disruptions.
Moby Capital also offers SBA loans, which the U.S. Small Business Administration partially guarantees. These loans typically offer competitive rates and long repayment terms, making them attractive to businesses seeking affordable, large-scale funding.
SBA loans generally require strong credit, detailed documentation, and a longer approval period due to federal guidelines. MobyCap assists applicants through the entire SBA loan application process, helping them complete paperwork, respond to requests, and prepare financial statements.
The company’s traditional term loan program provides a lump sum of capital that businesses repay over a set period with fixed payments. These loans are commonly used for business expansion, hiring, marketing, equipment upgrades, or debt consolidation.
Depending on the business profile and credit history, MobyCap offers flexible terms and a range of funding amounts. Some clients may qualify for competitive rates, while others—especially those with lower credit—should expect higher costs.
MobyCap’s virtual line of credit provides flexible access to capital without requiring businesses to take out the full amount upfront. Companies can draw funds from the credit line as needed and only pay for the capital they use.
This type of financing can support daily business operations, cash flow management, or short-term opportunities. Lines of credit often appeal to businesses experiencing seasonal fluctuations or unpredictable expenses.
Moby Capital also provides equipment leasing programs that allow businesses to acquire essential equipment without significant upfront costs. This option helps companies preserve cash flow while still obtaining the machinery, vehicles, technology, or tools needed for growth. Leasing can be especially advantageous for construction firms, manufacturers, medical offices, and other industries reliant on specialized equipment.
MobyCap’s invoice factoring services help businesses convert outstanding invoices into immediate cash. Instead of waiting weeks or months for customers to pay, companies can access working capital quickly by selling accounts receivable to MobyCap or its partners. This funding strategy is beneficial for companies in industries with long billing cycles—such as trucking, logistics, staffing, or government contracting.
Moby Capital does not publish strict minimum requirements for every product. Instead, the company encourages businesses with varying credit levels to apply, using a case-by-case approach to determine eligibility.
However, general guidelines include:
MobyCap does not publicly disclose the credit requirements for business loans. Business owners can expect requirements to vary depending on their revenue, credit profile, industry, and requested funding amount.
MobyCap does not fund businesses in the following industries:
MobyCap operates with a hybrid model that blends direct funding with marketplace lending. The company states it handles approximately 80% of its deals in-house while also working with partner lenders to expand available resources. This approach provides clients with more options, especially when a business has unique needs, is seeking large funding amounts, or requires a specialized product.
Regarding credit checks, Moby Capital typically performs a soft credit pull during the initial stages of the application. A soft pull does not affect personal or business credit scores. However, some products—or partner lenders—may require a hard credit pull later in the process. A hard pull can temporarily affect credit scores. The company does not clearly state whether it reports payment activity to business credit bureaus, so repayment may not help build credit unless a partner lender handles the reporting.
Alternative lenders like MobyCap often offer a faster, smoother experience than banks, with fewer constraints and a more straightforward application process. Traditional lenders generally require strong credit, detailed financials, collateral, tax returns, and detailed projections, and often take weeks or months to approve and fund a loan. MobyCap, by contrast, typically accepts lower credit scores, works with younger companies, offers unsecured business financing, and provides an efficient, streamlined application process that helps customers access capital quickly.
However, the tradeoff for fast funding and accessibility is cost. Alternative lenders often charge higher rates than banks, and MobyCap is no exception. Revenue-based financing and invoice factoring are among the most expensive forms of business funding.
While MobyCap’s costs vary by product and borrower profile, some customers have reported pricing that is higher than that of other lenders. Still, the company’s tailored approach may justify the cost for businesses that prioritize speed, convenience, and growth opportunities. Moby Capital prioritizes offering tailored finance solutions and unbiased guidance to ensure client success.
Online reviews for Moby Capital are mixed. The lending platform is recognized for its supportive and professional approach to securing funding for businesses. Moby Capital’s response times are consistently praised for their efficiency in addressing questions and concerns promptly during the funding process. Customers appreciate the seamless and rewarding funding experience provided by Moby Capital. Users commend the team for delivering tailored solutions that meet individual business needs.
Others raise concerns about aggressive calling practices, with some reviewers reporting multiple phone calls per week and stating the company will not stop calling, even after asking to be removed from the call list. Several complaints mention high costs and express frustration with the company’s communication style.
We couldn’t find specific information about a business loan affiliate program through Moby Capital. ISOs and business loan brokers can try contacting the company directly, or may need to find a different lender partner program.
MobyCap aims to provide a streamlined small business loan application process that helps businesses secure fast approvals and quick access to capital. The company offers a simple application and dedicated support at each step. Clients receive dedicated support for their loan applications to ensure all questions are answered.
Below is the step-by-step process.
Applicants begin by filling out a brief form on the MobyCap website. This form requests basic business information, including revenue details, contact information, and funding needs. The company’s team reviews the submission and contacts applicants for additional documentation.
Businesses may need to provide bank statements, identification, and other financial documents. These documents help MobyCap assess eligibility, determine the right product, and prepare a customized offer.
After reviewing the financials and business profile, MobyCap presents one or more bespoke funding offers. These offers outline the terms, repayment structure, and costs. Applicants can discuss the details with their dedicated account manager to ensure the offer aligns with their goals.
Once approved, applicants sign the agreement to finalize the deal. Depending on the product and business needs, funding may be available within hours or within one business day.
After receiving funding, businesses begin repaying according to the terms of their specific loan or financing product. MobyCap uses a variety of repayment structures, including daily or weekly payments for revenue-based financing, monthly payments for term loans, and draw-based payments for lines of credit. Invoice factoring programs repay through invoice settlement, while equipment leasing uses fixed payment schedules based on the value and term of the lease.
The company does not publicly disclose information about early payoff discounts, prepayment penalties, or renewal options. Customers should review their agreement carefully to understand payment obligations, potential fees, and opportunities to save on costs.
Moby Capital offers a wide range of popular business financing options, making it suitable for many industries and business needs. The company provides fast funding, sometimes within hours, which can be crucial for entrepreneurs pursuing time-sensitive growth opportunities. Its bespoke funding approach ensures each client receives tailored solutions and dedicated support throughout the entire process.
The company also operates with a hybrid model that expands available resources and prioritizes transparency, helping customers make informed decisions. Many clients report a great experience and consider MobyCap a valuable partner in assisting them to achieve their goals.
The primary drawback of Moby Capital is its cost. Like many alternative lenders, MobyCap’s pricing may be higher than that of traditional lenders or other business funding options. Some reviewers raise concerns about aggressive calling practices, noting that the company continues to call even after multiple requests.
While many customers have positive experiences, the company’s mixed online reputation may give some business owners pause. Additionally, the lack of precise publicly available details on repayment structures, early payoff discounts, or partner loan requirements may leave some borrowers seeking more transparency.
Pros:
Cons:
Yes, Moby Capital is a legitimate business funding company. It is headquartered in Austin, TX, and maintains an online presence across multiple business directories. MobyCap has Better Business Bureau (BBB) accreditation and an A+ rating on the watchdog site.
The company has funded thousands of businesses and is recognized in the industry for its focus on customized funding solutions and professional service. Customers highlight Moby Capital’s commitment to transparency throughout the funding process.
Overall, Moby Capital reviews reflect a combination of positive experiences and common complaints frequently seen in the alternative business lending industry. Many users describe the company as supportive, responsive, and helpful throughout the funding process. Others express frustration regarding communication practices or concerns about pricing.
On several sites, customer reviews for Moby Capital are generally positive, highlighting speed, transparency, and personalized support. Moby Capital has a 4.8-star rating on Google based on 181 user reviews. However, it has a 1.9 out of 5 rating on Trustpilot, with only 34 reviews.
Customers highlight Moby Capital’s quick response times during the funding process. Many customers describe Moby Capital as a reliable partner that delivers on promises.
Regarding negative reviews, several users complain about repetitive outreach. Individuals report receiving multiple calls per week from Moby Capital after requesting not to be contacted again. Many complaints suggest that Moby Capital’s staff respond with snarky comments when clients attempt to opt out of communications. Another common complaint in negative reviews is the high cost of financing.
While the company aims to be more accessible than traditional lenders, not all small businesses will qualify. Since it doesn’t publish minimum credit score requirements, it’s difficult to gauge your approval odds before applying.
MobyCap may deny a business loan application due to poor credit, inconsistent revenue, or insufficient time in business. In addition, being in a restricted industry or having a high-risk business may also trigger denial.
If declined, you should receive a denial notice explaining why. If not, or if you need more information, contact Moby Capital directly.
Fortunately, small business owners have a variety of lender options to consider. Many lenders offer similar products and funding amounts.
Working with a small business loan marketplace, like United Capital Source (UCS), allows you to apply to a network of lenders with a single application and receive multiple offers. You can then get guided support from a loan expert to help you choose the best deal for your business goals.
You may be interested in one of the following small business loans:
Moby Capital may be a strong option for small businesses needing fast, flexible funding and personalized support. Companies that value speed, tailored financing structures, and a smooth customer experience may find that MobyCap delivers an efficient and effective solution. Businesses with fluctuating revenue, equipment needs, seasonal cash flow, or growth opportunities may also benefit from the company’s diverse funding products.
However, businesses seeking the lowest possible cost, strict transparency, or minimal communication may want to compare other options. Business owners should carefully weigh MobyCap’s mixed reviews, reported calling patterns, and potentially high pricing.
Based on the available information, we rate Moby Capital 4.1 out of 5. It’s a solid option with a good product offering, but potential applicants should consider the costs and mixed reviews.
Disclaimer: The Moby Capital trademark is owned by ATX Funding Strategies, LLC, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from ATX Funding Strategies, LLC.
