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Big Think Capital Review

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Melville, N.Y.-based Big Think Capital is good for small business owners who are seeking a streamlined way to apply for financing. This financial services marketplace acts as a bridge between businesses and lenders, allowing access to financing at competitive terms without submitting your credit report. Once you’re approved, you can spend loan funds as you see fit to meet your business’s capital needs. If you’ve read Big Think Capital reviews and are wondering whether you should consider this platform to find financing for your small business, here’s what you need to know.

What does Big Think Capital offer?

The first thing you’ll notice when visiting the Big Think Capital website is that there are a number of financing offerings available. Options for funding your business include both short- and long-term financing, and financing alternatives to traditional small business loans.

We’ve highlighted the products you can take advantage of through Big Think Capital.

Product Details
SBA loans
  • Interest rate: 6.00% to 13.00%
  • Loan amount: $5,000 to $5,500,000
  • Loan terms: 60 to 300 months
  • Minimum credit score required: 660
  • Minimum time in business: 2 years
  • Minimum revenue: $100,000 a year
  • Time to funding: As few as 30 days
Term loans
  • Interest rate: 7.00% to 30.00%
  • Loan amount: $25,000 to $1,000,000
  • Loan terms: 12 to 60 months
  • Minimum credit score required: 620
  • Minimum time in business: 2 years
  • Minimum revenue: $100,000 a year
  • Time to funding: As few as 48 hours
Equipment financing
  • Interest rate: 8.00% to 20.00%
  • Loan amount: Up to 100% of equipment value
  • Loan terms: Estimated life of the equipment
  • Minimum credit score required: 600
  • Minimum time in business: 11 months
  • Minimum revenue: $100,000 a year
  • Time to funding: As few as 48 hours
Business line of credit
  • Interest Rate: 7.00% to 25.00%
  • Loan amount: $10,000 to $1,000,000
  • Loan terms: 6 to 60 months
  • Minimum credit score required: Not specified beyond “lukewarm credit OK”
  • Minimum time in business: 6 months
  • Minimum revenue: $50,000 a year
  • Time to funding: As few as 48 hours
Invoice financing
  • Interest rate: Typically 1.50% to 3.50% per month
  • Loan amount: 50% to 90% of invoice value
  • Loan terms: Until invoices are paid
  • Minimum credit score required: Not specified beyond “irrelevant”
  • Minimum time in business: 3 months
  • Minimum revenue: $50,000 a year
  • Time to funding: As few as 48 hours
Short-term loans
  • Interest rate: 14.00% and up
  • Loan amount: $2,500 to $250,000
  • Loan terms: 3 to 18 months
  • Minimum credit score required: 500
  • Minimum time in business: 6 months
  • Minimum revenue: $100,000 a year
  • Time to funding: As few as 48 hours
Merchant cash advance
  • Interest rate: 1.15% to 1.45%
  • Loan amount: $2,500 to $250,000
  • Loan terms: Until the advance is paid
  • Minimum credit score required: 400
  • Minimum time in business: 5 months
  • Minimum revenue: $75,000 a year
  • Time to funding: As few as 24 hours
Small business startup loans
  • Interest rate: 7.90% to 19.90%
  • Loan amount: Up to $150,000
  • Loan terms: 6 to 48 months
  • Minimum credit score required: 700
  • Minimum time in business: N/A
  • Minimum revenue: $75,000 a year
  • Time to funding: As few as 2 weeks


Note that Big Think Capital lists interest rates for each financing option rather than annual percentage rates (APRs). It’s important to keep in mind that the APR for any of these loans may be different if there are additional fees.

SBA 7(a) loans from Big Think Capital, for example, require a loan guarantee fee. The lender pays this fee, but it can be passed on to the borrower. The fee can range from 0% for loans under $150,000 to 3.5% for loans over $700,000. An additional 0.25% fee applies to the guaranteed portion of loans over $1 million.

Should you apply for financing from Big Think Capital?

You should consider applying for financing from Big Think Capital if you’re looking for a simplified way to shop for business loans.

Big Think Capital will present your application to its community of lenders. Lenders can review your application and send loan offers to Big Think Capital. The company compiles the offers for you so that you can decide which loan is best suited for your needs. Funds can be received in as little as 24 hours once your application is approved.

Big Think Capital financing is good for:
  • Startups who need $150,000 in financing
  • Business owners with less-than-perfect credit
  • Borrowers who want to get competitive rates for loans
  • Businesses that are interested in exploring traditional loan alternatives, such as invoice financing or merchant cash advances
  • Business owners who want to save time when applying for financing
  • Businesses that aren’t quite sure which type of financing is best and want a way to compare multiple loan options in one place
The following may want to look elsewhere:
  • Business owners who’d prefer to work with a lender face to face
  • Businesses that are seeking financing options apart from those Big Think Capital offers, such as purchase order financing or small business credit cards
  • Short-term business loan seekers who need to borrow more than $250,000
  • Business owners who are unable to meet the minimum Big Think Capital requirements to qualify for any of its loan offerings

Overall, Big Think Capital earns high marks from us for the sheer variety of loan offerings and how easy it is to apply for loans.

How to apply for Big Think Capital financing

You can apply for Big Think Capital financing by submitting an application online. This begins by answering initial questions about your time in business, annual revenue and credit score range, among other things. If you haven’t checked your business and personal credit scores lately, you may want to do that before beginning an application.

These questions help Big Think Capital make an initial determination about whether you may qualify for financing. The next step is providing your name, company name, phone number and email address. Once you submit this information, a Big Think Capital funding manager will reach out to you to help with the next steps in the loan process.

It’s important to note again that your credit reports aren’t required to apply for financing. Lenders use the information you supply on your application, along with any information they obtain independently, to decide whether to make a loan offer. If you need help with your application or have questions, customer service is available by phone at 844-200-7201. Once you accept a loan offer, a lender may ask for additional information. For example, if you’re getting equipment financing, the lender would need details about the equipment you’re planning to buy or lease to determine how much to lend.

How Big Think Capital compares to other online lenders

When applying for business financing, it’s also good to get multiple rate quotes so you understand how much a particular loan might cost. We looked at eight types of financing as part of our Big Think Capital review. To help you put those loans in perspective, we’ve done some additional research for you. Below, you’ll find comparisons for three different loan options you might consider when funding your business.

Big Think Capital vs. Kabbage (business line of credit)

Big Think Capital offers lines of credit of up to $1,000,000, which is a generous amount if you need flexible funding. With Kabbage, the maximum line of credit is $250,000, and you’ll need to have at least a year of operating history under your belt. Big Think Capital, on the other hand, has a lower minimum requirement of just six months in business. Big Think Capital also gives you more time to repay a line of credit — up to 60 months — versus the maximum 18 months Kabbage offers. Note that Kabbage charges a monthly fee rate in lieu of an interest rate for its lines of credit.

Kabbage Business Line of Credit: Highlights
  • Fee rate: 2.00% to 27.00% monthly, based on your term
  • Loan amount: Up to $250,000
  • Loan terms: 6-, 12- or 18-month terms

Big Think Capital vs. Triton Capital (equipment financing)

If you need equipment financing, Triton Capital offers loans of up to $250,000 with terms ranging from 12 to 60 months. Loans can be approved within hours and funded within one to two business days. Interest rates for Triton Capital equipment loans start lower compared with Big Think Capital, but Big Think Capital offers more flexibility with financing. You can borrow up to 100% of the value of the equipment and stretch repayment across the equipment’s estimated life span.

Triton Capital Equipment Financing: Highlights
  • Interest rate: Rates start at 5.99%
  • Loan amount: Up to $250,000
  • Loan terms: 12 to 60 months

Big Think Capital vs. Lendistry (term loans)

Lendistry offers term loans up to $5,000,000, while Big Think Capital caps its offering at $1,000,000. Repayment terms max out at 60 months with both lenders. Big Think Capital, however, offers slightly better starting interest rates and a lower loan minimum of just $25,000. Lendistry requires a 640 FICO Score, while Big Think Capital requires a 620 credit score for term loans.

Lendistry Term Loans: Highlights
  • Interest rate: From 8.99%
  • Loan amount: $50,000 to $5,000,000
  • Loan terms: Up to 60 months

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