| Key Takeaway | Details |
|---|---|
| 💼 Lender Type | Alternative online business lender offering working capital loans, equipment financing, and SBA loan facilitation. |
| 🏦 Primary Products | The lender offers loans up to $250,000 for working capital or equipment, as well as SBA loans through partner lenders. |
| 💰 Loan Amounts | Working capital loans up to $250,000; SBA loans may offer higher limits via partnered SBA lenders. |
| 📈 Minimum Requirements | 1+ year in business, $350,000+ annual revenue, and 600+ personal credit score. |
| ⚡ Funding Speed | Fast approvals, with funding typically available within 24–48 business hours after approval. |
| 💳 Interest Rates | Rates vary by loan type and borrower qualifications; advertised starting rates range from 8.99% for working capital to ~6.25% for SBA loans. |
| 🔁 Best For | Businesses seeking quick funding or equipment purchases that meet moderate revenue and credit requirements. |
| ⭐ UCS Rating | 3.9 / 5 |
Small business owners don’t always qualify for conventional bank or credit union loans. These traditional lenders typically require high personal credit scores, collateral, and extensive financial documentation, which can be challenging for newer businesses or those experiencing fluctuating cash flow. As a result, many business owners turn to alternative online lenders to access working capital loans, equipment financing, and other business funding solutions more quickly.
Triton Capital is one such lender that positions itself as a fast, accessible source of funding for small- to medium-sized businesses. The company offers several small business loan products designed to support business expansion, operations, and equipment purchases. However, as with any financing decision, it’s essential to evaluate the lender’s offerings, interest rates, repayment terms, and qualification requirements before moving forward.
In this review, we’ll explore how Triton Capital works, including the available options, pros and cons, and application process, to help you decide if it meets your funding needs. Specifically, we’ll answer these questions and more:
Triton Capital is an alternative business lending platform that provides small business loans, working capital loans, and equipment financing solutions. The company launched in 2008 during the financial crisis, when many small businesses struggled to obtain funding from traditional banks. Its goal was to offer simpler, faster, and more accessible financing options to help companies access capital.
Triton Capital has been serving small businesses since 2008 and helps businesses across the US. Over the years, the company has expanded its lending network and product offerings. Triton Capital has processed over $500 million in annual loan volume across approximately 5,000 businesses.
The company is headquartered in San Diego, California, and works with businesses across a wide range of industries, including transportation, construction, healthcare, manufacturing, and service-based companies. It provides a streamlined application process and positions itself as a customer-support-focused lender.
Triton Capital operates as a direct lender and also works with multiple lenders to provide flexible funding solutions. Businesses can apply online and receive funding decisions quickly, with approval in two to four hours and funding within two business days. The company evaluates a business’s financial health based on revenue, time in business, and personal credit score.
Triton Capital typically provides loan terms between 6 and 24 months for its working capital loans.
Its business loans cater primarily to small- to medium-sized businesses. Triton Capital charges origination fees ranging from 1% to 2%.
Below are its primary loan products:
Triton Capital offers working capital loans designed to support operational needs, including payroll, inventory, marketing, and cash flow management. These short-term business loans are generally smaller in amount, making them suitable for covering immediate expenses rather than large-scale expansion projects. Businesses typically repay these loans through fixed daily or weekly payments.
Triton Capital is widely known for its equipment financing program, which allows businesses to purchase or lease equipment with minimal upfront cost. This type of financing is commonly used by construction companies, trucking businesses, medical offices, manufacturers, and other industries requiring specialized equipment.
Triton Capital specializes in providing financing solutions primarily for equipment dealers and their customers. Loan amounts and repayment terms vary based on the type and value of the equipment. Funding may be secured (equipment as collateral) or unsecured, depending on the borrower’s financial profile.
Triton Capital also helps businesses access SBA loans through partnerships with SBA lenders. These government-backed loans offer longer repayment terms and lower interest rates than most short-term online loans, but the application process can be more extensive.
Through partnerships with other lenders, Triton facilitates SBA loans with lower interest rates starting around 6.25%. These loans can support business expansion, working capital, real estate purchases, or equipment financing.
Triton Capital has moderately high qualification requirements compared to some alternative lenders. To qualify for a loan from Triton Capital, businesses must demonstrate annual revenue of at least $350,000. Compared with Triton Capital’s $350,000 yearly revenue requirement, many alternative lenders require lower annual revenue.
Triton Capital requires businesses to have been operational for at least one year to qualify for their loan products. Triton Capital accepts fair personal credit scores starting at 600.
| Loan Product | Minimum Time in Business | Minimum Annual Revenue | Personal Credit Score | Loan Amounts |
|---|---|---|---|---|
| Working Capital Loans | 1 year | $350,000+ | 600+ | Up to $250,000 |
| Equipment Loans | 1 year | $350,000+ | 600+ | Varies by equipment value |
| SBA Loans | 2 years recommended | $350,000+ | 650+ | Up to $5 million (via partners) |
Triton Capital usually conducts a soft credit pull during the small business loan application process. This means applying won’t impact your personal credit score.
Triton Capital is known for fast business funding solutions and can be a viable option for businesses that need quick working capital, including those with fair credit.
However, the tradeoff for fast access to funds is often higher interest rates, especially for newer businesses or those with weaker financial profiles. Triton Capital’s business loan interest rates typically range from 5.99% to 74.99% APR, depending on creditworthiness and business financials.
Triton Capital has received a 5/5 transparency score from Bankrate. Still, Triton Capital’s reputation may be influenced by its complaint volume and response history.
Triton Capital does not offer as many business loan options as some other lenders. Because the company is a direct lender and reports payment activity to the credit bureaus, businesses can potentially build business credit by making timely payments. It’s important to carefully review repayment terms and ensure the company has a plan to maintain consistent cash flow.
Triton Capital offers a business loan affiliate program. ISOs and business loan brokers can register with the company, offer financing, and earn commissions.
Triton Capital has an online application process for its business loans. The process is designed to be straightforward, requiring only basic personal and business information to start. Triton Capital aims to deliver funding decisions within 24 to 48 hours.
Visit the Triton Capital website and submit basic business details, including business name, revenue, industry, and time in business.
You may be asked to provide bank statements, business financial statements, or equipment quotes, depending on the loan type.
A Triton Capital representative will review your application and present available loan offers.
Once you select an offer, you’ll review repayment terms, fees, and payment schedule before signing.
Funds are typically deposited within one to two business days.
After funding, borrowers repay their loans through automatic withdrawals from their business bank accounts. Payment schedules may be daily, weekly, or monthly, depending on the loan type.
Some equipment financing agreements allow for early payoff discounts, while working capital loans generally have fixed repayment terms. Renewal options may be available for borrowers with a consistent payment history.
Triton Capital offers a simple application process, fast approvals, and quick access to working capital loans. The company specializes in equipment financing, making it a strong option for businesses needing to purchase or upgrade equipment.
Its transparency score and reporting to credit bureaus can also be beneficial for businesses working to improve financial stability. Compared to some online lenders, Triton’s customer service and support team is responsive, and the company is willing to work with small businesses across multiple industries.
Interest rates for Triton Capital’s loans can be higher than those for some other forms of debt financing. Businesses with lower cash flow may find repayment schedules challenging, especially with short-term working capital loans.
The company requires a higher minimum annual revenue than many alternative lenders, which may limit access for smaller or early-stage businesses. In addition, Triton Capital offers fewer business loan types than some competitors, especially those offering revolving credit lines or specialized funding products.
Pros:
Cons:
Yes. Triton Capital is a legitimate business lender with a long history of providing financial solutions to small businesses. Triton Capital has an A+ rating and is an accredited business with the Better Business Bureau (BBB). The company has been operating since 2008 and continues to serve businesses nationwide.
Overall, customer reviews for Triton Capital are mixed, with positive feedback often highlighting fast funding and helpful service, while negative feedback tends to focus on costs and repayment terms.
Positive reviews frequently highlight the company’s transparent communication and efficient funding process. Borrowers often mention that the team walked them through the entire process and helped secure funding quickly.
Negative reviews typically mention higher-than-expected interest rates or difficult-to-manage repayment schedules. Complaints regarding Triton Capital are assessed alongside the company’s size and transaction volume. The nature of complaints about Triton Capital can be more significant than the total number of complaints.
Triton Capital may deny a loan application for various reasons, such as bad credit, insufficient revenue, or time in business. Other factors could include inconsistent cash flow or being a risky industry.
If declined, Triton Capital should provide a denial letter outlining the reasons for the denial. If not, or if you require more information, contact the lender directly.
Fortunately, small business owners have many lenders to consider if Triton Capital isn’t the right fit. Several lenders provide similar flexible options and other loans, often with higher borrowing amounts.
Working with a small business loan marketplace (like UCS) allows you to apply to a network of lenders with a single application and receive multiple offers. You can then get guided support in choosing the best deal for your business needs.
You may be interested in one of the following small business loans:
Triton Capital can be a strong choice for businesses seeking quick funding and those needing equipment loans with a streamlined approval process. Companies with substantial annual revenue and fair credit may qualify for competitive rates and terms. However, businesses with inconsistent cash flow or those seeking longer repayment schedules may want to compare other lenders before moving forward.
Based on the available information, we rate Triton Capital 3.9 out of 5. It’s a reputable lender with a successful history, but the low loan amounts and potential high interest rates make it unsuitable for every business.
Disclaimer: The Triton Funding trademark is owned by Triton Cptl, Inc., and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Triton Cptl, Inc.
