CapFront Business Loans Review

Written by  Brynne Conroy

Edited by  Dawn Daniels

+ 1 More

Published Sep 25, 2025 Content was accurate at the time of publication.

Interest range: Starting at 4.66% Loan amounts: $10,000 to $80,000,000 Our verdict: CapFront makes itself a good match for virtually any small- to medium-sized business through its wide range of products and competitive starting interest rates. Whether you need quick funding or need to borrow more than a traditional lender would consider, CapFront is an option worth exploring. See Business Loan Offers

Pros and cons of CapFront

CapFront small business loans review

Founded in 2017, CapFront is an alternative lender and marketplace that specializes in small- to medium-size businesses. It offers a wide array of lending products with competitive interest rates. Because CapFront is both a lender and a marketplace, if you apply for a loan on its website, your application may be referred out to a partner lender.

In addition to typical financing, CapFront offers SBA lending products, which aren’t always available through nontraditional lenders. It’s true that SBA loans can take a while to be funded, but other products like CapFront working capital loans can be approved in as little as a day.

While you’ll need a credit score of 650 or higher to qualify for any of its SBA loans, CapFront does offer lending options to business owners with less-than-perfect credit. This versatile lender is worth a look as you’re exploring your business financing options.

CapFront small business financing at a glance

Direct lending loans

CapFront can function as a direct lender for loans between $10,000 and $500,000 with terms available between 3 and 12 months. Repayments are made either daily or weekly. These loans are funded directly from CapFront.

Some of its other loan products may be referred out to its partner network, which means that when you submit an application on CapFront’s site, you may get a direct loan through CapFront or you may get offers from other lenders.

Expansion term loans

CapFront offers two types of term loans: working capital loans and what it calls “expansion loans.” These are repaid on a regular basis with set payments over the course of 6 to 120 months. Depending on your term length, you have the option of setting up payments on a weekly, biweekly or monthly basis.

Interest rates on CapFront’s expansion term loans start at 4.99%, and you can borrow up to $500,000. Depending on how much you borrow, you may or may not be required to put up collateral. After you apply, you may hear back about approval as quickly as in a week.

Working capital term loans

CapFront’s working capital loans are a type of unsecured term loan that can provide up to $2,000,000. Because they don’t require collateral, rates are a little higher, starting at 9.00% simple interest. You’ll need to make payments daily, weekly or monthly depending on your loan agreement, and because the loan uses simple interest, there’s no benefit to paying if off early. 

Terms are anywhere from three months to three years, and these loans have a quick turnaround — you may hear back about approval in as little as one day. 

Lines of credit

Lines of credit are revolving credit products. That means you’re allowed to borrow up to a set amount at any given time. When you borrow against your line of credit, you’ll be charged an interest rate and make weekly payments until your balance is paid off — typically within 6 to 36 months. Interest isn’t charged unless you borrow against your line of credit. 

The maximum line of credit at CapFront is $250,000, and interest rates start at 4.66%.

Merchant cash advances

A merchant cash advance (MCA) typically allows you to secure funding within a few days. At CapFront, you can borrow up to $5,000,000 with a merchant cash advance. Instead of interest, you’ll pay an invoice factor rate of at least 1.09. That means if you secure the lowest rate, you would multiply the amount you borrow by 1.09 to find the total amount you’ll need to repay to CapFront — but keep in mind that most borrowers won’t qualify for the lowest rates with any lender.

Payments are remade as a percentage of your credit card sales on a monthly basis. While terms can be anywhere from 3 to 24 months, the amount of time it takes you to pay back your merchant cash advance will vary depending on how quickly you make the requisite amount of sales by credit card transaction.

Equipment financing

CapFront offers an array of equipment financing options. You can take out a traditional equipment loan to purchase equipment outright, use CapFront financing to lease the equipment for a period of time or sell your equipment and lease it back in order to improve your business’ cash flow.

The maximum amount you can borrow if you meet credit requirements is generous at $80,000,000. Interest rates for this product start at 6.00%.

Invoice factoring

Invoice factoring allows you to borrow a set amount of money from CapFront against your outstanding invoices. You’ll get 80% to 90% of the invoice amount upfront. Then, CapFront will collect from the customer. The lender will take a fee for the service, and you’ll get any of the remaining 10% to 20% of the invoice balance minus the fee after CapFront collects. CapFront doesn’t disclose fees on its website, but invoice factoring is usually an expensive way to borrow. 

SBA 7(a) loans

At CapFront, you can borrow anywhere between $50,000 and $5,000,000 with an SBA 7(a) loan. Depending on the loan size, you may or may not be required to put up collateral. Terms can last anywhere from 120 to 300 months. Loans can take up to 60 days for approval, though the process may be quicker if you’re borrowing $350,000 or less. 

SBA Express loans

If you want an SBA loan but need the money faster, an SBA Express loan may be the way to go. These loans allow you to borrow up to $500,000, and can be approved in as little as 48 hours. Funding is generally released within 30 days, with term lengths of 10 years. However, SBA Express loans are generally only a good fit for established businesses rather than startups due to restrictions on their use.

SBA 504/CDC loans

SBA 504/CDC loans are typically used to acquire equipment, land or real estate. They allow for up to 90% financing, and you can borrow up to $9,000,000 with CapFront. Terms can be as long as 25 years, but funding can take a while to secure — anywhere between 60 and 120 days.

CapFront borrower requirements

CapFront credit requirements vary wildly depending on the type of business loan. For example, you may be able to qualify for a working capital loan or merchant cash advance with a credit score of just 500 and $60,000 in projected annual revenue after just three months in business. Other products, like equipment financing, require 24 months in business, $120,000 of annual revenue and a 600 minimum credit score. 

SBA loans have even higher requirements at CapFront. The bar is highest on SBA 7(a) and SBA Express loans, which require a credit score of at least 675 and at least 24 months in business. SBA 504 loans are preferentially given to those with at least two years in business, but the credit score requirement is only 650. Of the non-SBA products, you can expect expansion term loans to have the highest credit requirements. 

Required documents

At bare minimum, you will need to provide business banking statements for the past four months. For some products, like expansion term loans, you may also need to provide personal banking statements and other required documents. 

Alternatives to CapFront

CapFront vs. Bank of America

With higher credit and annual revenue requirements, you’ll have to jump through more hoops for Bank of America than CapFront. Bank of America also has higher starting rates and doesn’t offer merchant cash advances, working capital loans or invoice factoring. These three products are available with relatively short funding times through CapFront.

But if you need an SBA loan, Bank of America is a Preferred Lender, which means they can typically fund SBA loans more quickly.

CapFront vs. OnDeck

If time is your primary concern, OnDeck can provide funding the same day you apply. Credit requirements are slightly higher for OnDeck’s lines of credit and term loans, which are the only lending products it offers. If you need another type of loan or need to borrow more than $250,000, CapFront would be the better option.

Before deciding which lender is best for your individual situation, be sure to get quotes from each, ensuring you’re comparing apples to apples. While OnDeck lists higher starting rates, remember that simple interest is not the same as APR when you run your comparison. Getting quotes from different lenders to compare the total cost of borrowing is the best way to get a good deal.