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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

PEAC Solutions Business Loan Review (formerly Marlin Capital)

Updated on:
Content was accurate at the time of publication.

  Starting APR range: Not disclosed

  Best for: Local and international companies needing small loan amounts with quick turnaround times.

Pros and cons of PEAC Solutions

ProsCons

  Quick funding times

  Lender has strong worldwide presence

  Deferred payment plans available

  Can apply for additional funds once you’ve repaid 50% of your debt

  Lack of information regarding interest rates and fees

  Doesn’t list minimum credit score and annual revenue requirements

  Relatively low loan amounts compared to some competitors

PEAC Solutions is an independent lender offering small business financing to companies of all sizes across the globe. Previously known as Marlin Capital Solutions, the company was recently acquired by PEAC (Pan-European Americas Capital) Solutions, which has a solid track record of connecting businesses with reputable leasing experts since 1997.

If your company needs funds quickly, PEAC Solutions can process and fund working capital loans up to $500,000 within a few business days, which is significantly faster than some traditional bank’s estimated turnaround time of two weeks. Unlike some competing lenders, PEAC has minimal restrictions on how to spend the funds, making it a great choice for tackling a range of business expenses or refinancing debt.

PEAC Solutions also offers equipment financing, allowing you to finance with no money down. If your business budget is tight, you can even delay starting payments for 30 to 90 days.

Who is PEAC Solutions for?

  • Businesses with an international presence. PEAC Solutions currently operates in 11 countries, making it a great resource for both international and U.S.-based businesses.
  • Companies needing fast funding. With a quick online application, your equipment loan could be processed and funded as soon as 24 hours, or two to three days for working capital loans.
  • Business owners wanting a flexible payment plan. If you need more wiggle room in your budget, PEAC Solutions offers terms from 12 to 63 months, with the option to delay starting payments for up to 90 days.

ProductLoan amountsRepayment termEstimated interest rangeFees
Working capital loanUp to $500,000Up to 24 monthsNot disclosedNot disclosed
Equipment financingNot disclosed12 to 63 monthsNot disclosedNot disclosed

Working capital loans

PEAC Solutions offers working capital loans up to $500,000 with terms under 24 months to cover a range of expenses like expansions, inventory, marketing and technology services. You can also use the funds for debt consolidation or to refinance existing business loans.

A working capital loan from PEAC Solutions is a good option for those needing a fast business loan to cover short-term, low-cost or emergency expenses. The online application takes five minutes or less to complete, with funds hitting your bank account in as soon as two to three business days, though it can take longer in some cases.

Equipment financing

If you need to purchase or upgrade new equipment for your business, PEAC Solutions offers equipment financing, though the maximum amount they offer isn’t clear. Since the equipment acts as collateral to secure the debt, you don’t need to provide a down payment.

With PEAC Solutions, you get flexible payment plans that range from 0 to 24 months, with the option to delay payments for 30, 60 or 90 days, which isn’t commonly seen with small business loans.

PEAC Solutions also partners with other businesses to offer quick and affordable equipment loans. For example, you can borrow between $1,000 and $100,000 to use for Premier Equestrian purchases with no money down.

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Minimum annual revenueNot disclosed
Minimum time in businessWorking capital loan: 24 months
Minimum credit scoreNot disclosed

While PEAC Solutions states it provides startup financing, your business must operate for at least six months to qualify for equipment financing, or at least 24 months for working capital loans. Your company also needs to be based in the U.S., UK, Germany, France, Poland, Hungary, Italy, Czech, Austria, Sweden or Spain.

Unfortunately PEAC Solutionss doesn’t list all of its business loan requirements in advance, such as its credit score or annual revenue requirements. Its website recommends having a good business credit report and an “acceptable” personal credit score, which is generally 670 or higher.

If you’re unsure what your credit score is, you can monitor and boost your score for free with LendingTree Spring before applying to know where you stand.

Required documents

If you’re ready to apply for small business financing with PEAC Solutions, gathering the following essential documents in advance can help speed things along:

  • The business owner’s Social Security number
  • The business’s name and employer identification number (EIN)
  • Recent bank statements
  • General business information
  • Recent financials

How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
PEAC SolutionsFunding CircleNational Funding
Minimum credit scoreNot disclosed
  • Term loans and lines of credit: 660
  • SBA loans: 650
600
Loan products offered
  • Working capital loans
  • Equipment financing
  • Term loans
  • Lines of credit
  • SBA loans
  • Term loans
  • Equipment financing
Time to funding
  • Working capital: as soon as 2 to 3 days
  • Equipment financing: within 24 hours
  • Term loans and lines of credit: as soon as 2 business days
  • SBA loans: 1 to 2 months
As soon as 24 hours
Starting interest ratesNot disclosed
  • Term loans: 15.22%
  • Lines of credit: 10.99%
  • SBA loans: Prime + 2.75%
Factor rates from 1.11 for term loans
Maximum loan size
  • Working capital: $500,000
  • Equipment financing: varies
$500,000$500,000
Minimum annual revenueNot disclosed
  • Term loans and lines of credit: $50,000
  • SBA loans: $150,000
$250,000

PEAC Solutions vs. Funding Circle

Funding Circle is another international business lender offering quick loans for companies around the world. Currently, Funding Circle’s business term loans are available in the U.S., UK, Germany and Netherlands. In addition, U.S.-based companies can apply for business lines of credit or SBA 7(a) loans, making this lender ideal for those wanting a range of financing solutions.

With both lenders, you can access up to $500,000 within a few business days — except for Funding Circle’s SBA loans, which can take up to two months to process. The main advantage of Funding Circle is that you can see its credit score, annual revenue and estimated interest ranges in advance. This helps to make a more informed decision when comparing different types of business loans.

PEAC Solutions vs. National Funding

National Funding is another alternative lender that provides fast equipment financing and term loans with flexible repayment terms. Both lenders offer up to $500,000 with no down payment or collateral required. With National Funding, you can also take advantage of its Guaranteed Lowest Payment with equipment leasing, helping you beat leading competitors’ prices.

However, unlike PEAC Solutions, National Funding only provides financing to U.S.-based companies.

If you need a bad-credit business loan, National Funding could help. It accepts credit scores as low as 600 and only requires a six-month business history. That said, your company must generate at least $250,000 in annual revenue, which is quite steep for startups.