COMPARE TOP DIRECT LENDERS & Loan Marketplaces All in one place.

Big Think Capital Overview

Big Think Capital is a lending marketplace and a trusted financial partner dedicated to supporting businesses in their growth journey. Offering a wide range of funding options, including business term loans, equipment financing, merchant cash advances, SBA loans, invoice factoring, and more, they simplify the loan application process through their user-friendly platform. With competitive interest rates and experienced professionals providing tailored assistance, they ensure transparent communication and a seamless experience. As a reputable choice with an A+ BBB rating and positive reviews, Big Think Capital stands as a reliable and comprehensive solution for businesses seeking financing to propel their success forward.

Empowering Small Business Growth Through Financial Solutions

Written by JP
Last Updated: August 24, 2023

Web Rating: -

 4.8/5

Features

About Big Think Capital

Big Think Capital is a financial services marketplace catering to small business owners. The company was founded in 2017 under the visionary leadership of David Brown. At Big Think Capital, trust and integrity are given the utmost priority. The company is a pioneer in alternative financing. It uses technology and strategic partnerships to provide business owners with a wide range of customized financial solutions to meet their specific needs.

In the past 5 years, the company has helped over 15,000 business owners secure funding totaling over $500 million. Big Think Capital is dedicated to supporting small businesses nationwide and has a skilled team ready to assist you. From education to application, they ensure a smooth process and prompt access to necessary funding.

Your Partner in Financial Growth

Big Think Capital is committed to helping small businesses obtain the necessary funding. Big Think Capital’s primary focus is to act as a bridge between business owners and the most appropriate lenders, ensuring that you get the most favorable terms available. Every business has its own unique objectives, and they aim to support you in achieving them.

Simplified Funding with Personal Guidance

Big Think Capital does all the legwork for you when you apply for a loan. They gather offers from their network of direct lenders, giving you the freedom to select the one that best suits your needs. Their team experts will guide you throughout the loan process, ensuring clarity, efficiency, and peace of mind, from submitting your application to receiving the funds. They will assist you every step of the way.

Diverse Loan Options, Tailored Solutions

Big Think Capital recognizes that the financial needs of small businesses vary widely. That’s why they offer a comprehensive suite of loan options catering to your circumstances. Whether you’re seeking funds for expansion, day-to-day operations, or special projects, the platform is designed to assist you in finding an ideal business loan that aligns with your vision.

Big Think Capital: Details & Qualifications

Details

Loan Amount:- $10,000 to $1,000,000
Loan Terms:- 6 months to 25 years*
APR:- Starting from 7%
Lender Type:- Lending Marketplace
Loan Type:- Small Business Loans

Qualifications

Time in Business:- 6+ months
Collateral Required:- Varies on the loan type
State Restrictions:- Available in all States
Minimum Revenue:- Varies
Credit Score:- 500 or Above

Note that loan specifics, such as the loan amount, terms, APR, time in business, collateral requirements, minimum revenue, and credit score requirements, may vary depending on the type of loan.

Pros and cons of Big Think Capital

Pros

Get loan offers from multiple lenders.
Open for all credit types
Top-rated customer service
Get funded as early as 24 hours

Cons

Borrowers with poor credit may encounter high APRs
Some loan types may require collateral

Big Think Capital: Business Financing Types Offered

Big Think Capital offers a range of business loan options, collaborating with an extensive network of direct lenders to provide heightened flexibility and greater control over your finances. You have the opportunity to apply for the following types of loans through Big Think Capital:

SBA Loans

SBA loans, backed by the U.S. Small Business Administration, offer lifelines to business owners seeking funding. With favorable terms, lower interest rates, extended repayment periods, and there are various loan types to choose from, SBA loans empower small businesses to expand, invest, and thrive. From real estate ventures to working capital needs, SBA loans provide flexible solutions tailored to diverse business goals.

SBA 7(A) Loan

The SBA 7(a) Loan is an excellent opportunity to make your business dreams a reality. This loan type is incredibly flexible and can cater to a wide range of needs, such as expanding your business, procuring essential inventory, and acquiring real estate.

Loan Essentials:


Loan Amount	Up to $350,000 for Working Capital Up to $5 million for Commercial Real Estate
Term	5 to 25 Years
Interest Rate	6% – 13%
Funding Time	30 to 60 days

Why SBA 7(A) Loan?

Versatility: Flexibility to address a variety of business needs.

Wide-Ranging Goals: expanding purposes, purchasing equipment, inventory, or real estate.

Favorable Rates: Competitive interest rates for budget-friendly repayment.

Long Repayment Terms: Up to 25 years for extended financial comfort.

CDC/504 Fixed Asset Loan

The CDC/504 Fixed Asset Loan is designed to help businesses acquire large, long-lasting assets such as real estate, machinery, and heavy equipment. This loan is a valuable tool for supporting your business’s growth. Whether upgrading your operations, expanding your facilities, or improving efficiency, the CDC/504 Fixed Asset Loan enables you to invest significantly in your business’s future.

Loan Essentials:


Loan Amount	Up to $5 million ($5.5 million for manufacturers)
Term	10 to 20 Years
Interest Rate	3% – 6.5%
Funding Time	30 to 60 days

Why CDC/504 Fixed Asset Loan?

Major Assets: Designed for purchasing long-lasting assets crucial for business growth.

Flexible Terms: Enjoy up to 20 years for repayment, aligning with your business strategy.

Competitive Rates: Benefit from low interest rates for cost-effective financing.

SBA CAPLines: Short-Term Capital

SBA CAPLines ( Lines of Credit ) presents a dynamic solution for addressing short-term capital needs through its innovative working line of credit program. This loan is ideal for managing seasonal fluctuations or seizing immediate opportunities, giving your business the flexibility to adapt to evolving financial requirements.

Loan Essentials:


Loan Amount	Up to $5 million ($200,000 for small asset-based)
Term	Up to 5 Years
Interest Rate	5.75% – 8.25%
Funding Time	As little as 30 days

Why SBA CAPLines?

Responsive Funding: Access readily available funds precisely when needed.

Short-Term Focus: Tailored for short-term financial scenarios.

Strategic Flexibility: Use funds for various operational aspects.

Competitive Rates: Benefit from favorable interest rates.

SBA Export Loans: Globalize Your Business Horizons

SBA Export Loans offers a range of options to help you achieve your goals if you’re looking to expand your business into international markets. These loans include Export Working Capital Loans, Export Express Loans, and International Trade Loans, which can provide the financial foundation you need to succeed in new territories or strengthen your existing global endeavors. With the help of SBA Export Loans, you can confidently pave the way for business expansion and conquer international markets.

Loan Essentials:


Loan Amount	Up to $5 million
Term	Up to 25 Years
Interest Rate	8% – 10%
Funding Time	Up to 30 days

Why SBA Export Loans?

Global Opportunities: Seize the potential of international expansion.

Diverse Loan Types: Choose from various specialized export loan options.

Extended Terms: Benefit from up to 25 years for repayment.

Competitive Rates: Enjoy attractive interest rates for cost-effective financing.

MicroLoan Program: Energize Your Business With Small Steps

The MicroLoan Program is an excellent option for obtaining smaller funding for your business. It can help inject working capital into different areas of your company, such as refining operations, managing expenses, or investing in incremental enhancements; the MicroLoan Program empowers you to make meaningful progress.

Loan Essentials:


Loan Amount	Up to $50,000
Term	Up to 6 Years
Interest Rate	8% – 13%
Funding Time	As soon as 30 days

Why MicroLoan Program?

Flexible Funding: Tailored for smaller-scale business requirements.

Working Capital Boost: Infuse funds for various operational needs.

Manageable Terms: Up to 6 years for repayment, keeping flexibility in mind.

Reasonable Rates: Get cost-effective financing with competitive interest rates.

Disaster Loans: Rebuild and Rebound

SBA Disaster Loans offer a lifeline for businesses struck by natural calamities. Three types of loans are available, depending on the damage your business has suffered. These loans provide essential recovery support to help you rebound. When nature strikes, SBA Disaster Loans stand as a dependable resource to help you rebuild, restore, and reestablish your business’s footing.

Loan Essentials:


Loan Amount	Up to $2 million
Term	3 to 30 Years
Interest Rate	4% – 8%
Funding Time	Up to 30 days

Why SBA Disaster Loans?

Tailored Recovery: Designed to aid businesses in the aftermath of disasters.

Flexible Terms: Choose from 3 to 30 years for repayment, depending on your situation.

Essential Funds: Receive vital financial support for rebuilding efforts.

Competitive Rates: Enjoy interest rates tailored for recovery needs.

SBA Loans: Qualification

Documentation

Ready to Apply? Check If You Qualify!

Buiness Lines of Credit

Business lines of credit provide a flexible financing solution for enterprises seeking funds. Business owners highly favor this option as it allows them to borrow up to a predetermined limit and only pay interest on the amount utilized. Unlike traditional loans, credit lines offer repayment flexibility, making them an ideal choice for businesses with varying financial needs.

Business Line of Credit Essentials:


Credit Range	$10,000 - $1 million
Term	Up to 5 Years
Rates	As low as 7%
Decisions	As soon as 24 hours

Why Business Lines of Credit?

• Get quick access to short-term funding.

• Lower revenue requirements.

• Easy application.

• Boost to the credit profile.

• Ongoing borrowing capabilities.

Business Lines of Credit: Qualification

Documentation

Commercial Real Estate Loans

Commercial real estate loans refer to financial arrangements that enable purchasing, refinancing, or developing commercial properties, such as office buildings, retail spaces, industrial facilities, hotels, and apartment complexes. These loans are primarily sought by businesses and investors interested in acquiring or investing in income-generating properties.

Unlike residential mortgages, commercial real estate loans are tailored for business-related purposes and can have varying terms, repayment structures, and interest rates.

Commercial Real Estate Loan Essentials:


Loan Amount	Up to $100M
Term	Up to 30 Years
Rates	Extremely competitive
Decisions	As quick as 72 hours

Why Commercial Real Estate Loans?

• Explore commercial real estate loans ranging from $100k to $100M.

• Receive decisions in as little as 72 hours.

• Experience flexibility in loan terms and payments.

• Get a loan even if you have less-than-perfect credit.

Commercial Real Estate Loan: Qualification

Documentation

Equipment Financing

Equipment financing simplifies the process of securing funds for necessary equipment, making it hassle-free. As your business grows, the need for additional equipment increases. To address this, business equipment financing provides a streamlined solution to sustain peak operational performance and accommodate rising demands. It’s common for businesses to reach a critical juncture where acquiring additional equipment is essential for enhancing efficiency and staying competitive. However, the upfront costs of acquiring equipment may burden your working capital. This is where equipment financing can be a strategic remedy, offering a tailored solution to address this challenge.

Equipment Financing Essentials:


Loan Amount	Up to 100% of the equipment value
Term	Up to 10 Years
Rates	As low as 8%
Decisions	As fast as 24 hours

Why Equipment Financing?

Preserve Cash Flow: Equipment financing lets you acquire assets without depleting your working capital.

Flexible Terms: Choose repayment terms that align with your budget and business cycle.

Upgrade Technology: Stay competitive by accessing the latest equipment and technology.

Tax Benefits: Leverage potential tax deductions and benefits from equipment financing.

Predictable Payments: Fixed monthly payments make budgeting and financial planning easier.

Fast Approval: Experience quicker approvals compared to traditional loan applications.

Equipment Financing: Qualification

Documentation

Invoice Financing

Invoice financing is a solution that allows you to avoid the stress of waiting for payments by converting your outstanding invoices into immediate working capital. Maintaining a healthy cash flow is essential for every business, but waiting for customer payments can hinder growth. This financing option allows you to access funds tied up in unpaid invoices, enabling you to cover operational costs, invest in growth, and seize new opportunities.

Invoice Financing Essentials:


Loan Amount	Up to 90% of the invoice value
Decisions	As little as 24 hours

Why Invoice Financing?

Quick Access to Funds: Get immediate cash to cover business expenses without waiting for customer payments.

Working Capital Optimization: Ensure smooth operations, pay employees, and invest in growth initiatives.

Flexible Funding: Scale your financing based on your business needs and invoice volume.

No Debt Incurred: Invoice financing is not a loan, so you’re not accumulating debt on your balance sheet.

Customer Payment Handling: Some invoice financing providers offer customer payment collection services.

Ideal for Businesses:

Seasonal Businesses: Smooth out cash flow during off-peak seasons.

Growing Companies: Invest in expansion and take advantage of growth opportunities.

Small Businesses: Cover day-to-day expenses and manage operational costs.

Startups: Bridge the gap between invoicing and receiving payments.

Invoice Financing: Qualification

Documentation

Merchant Cash Advance

When traditional financing options fall short, a Merchant Cash Advance (MCA) steps in as a quick and adaptable solution to supercharge your business growth. Designed for businesses that often process credit card payments, an MCA offers easy access to extra funds based on your daily sales. This innovative approach ensures that repayments are aligned with your earnings, making it particularly useful for businesses with fluctuating incomes. By taking advantage of the convenience of an MCA, you can confidently pursue growth opportunities, manage inventory, and explore new ideas.

Merchant Cash Advance Essentials:


Loan Amount	Up to $2 million
Rates	As low as 12%
Decisions	As fast as 3 hours

Why Merchant Cash Advance?

Speedy Access: Receive funds quickly, often within hours of approval, to seize immediate opportunities.

Flexible Repayments: Repayments are tied to your daily sales, easing the burden during slower periods.

Simplified Process: Applying is a breeze with an easy and stress-free process, saving you time and reducing administrative load.

No Collateral Required: Your credit card sales act as collateral, reducing the need for additional assets.

Business Growth: Use the capital infusion to invest in expansion, inventory, marketing, and more.

Scaling Possibilities: As your business grows, so does the potential amount of funding available.

Ideal for Businesses:

• Businesses with fluctuating sales cycles.

• Retailers, restaurants, and service-based industries.

• Companies seeking rapid access to working capital.

Merchant Cash Advance: Qualification

Documentation

Business Term Loans

Business term loans are ideal for established businesses seeking a lump sum of capital for a particular purpose. Whether you’re a small business owner looking to expand or a mid-sized company planning to invest in long-term projects, a business term loan could be an ideal financing solution. These loans offer you a set amount of money upfront that you can pay back over a predetermined time frame, along with interest.

Business Term Loans Essentials:


Loan Amount	Up to $1 million
Rates	As low as 7%
Term	Up to 5 years
Funding Time	As fast as 48 hours

Why Business Term Loans?

Working Capital Boost: Secure the funds you need to cover various business needs, from expanding your operations to purchasing equipment or inventory.

Predictable Repayments: Enjoy the stability of fixed monthly payments, making it easier to budget and manage your finances.

Longer Repayment Terms: Business term loans offer extended repayment periods, allowing you to spread the cost over several years.

Build Credit: Responsible repayment can positively impact your business credit score, opening doors to better financing options in the future.

Business Growth: Utilize the loan to invest in marketing, innovation, hiring, or other growth initiatives that can drive your business forward.

Business Term Loans: Qualification

Documentation

Big Think Capital

3 steps easy process!

Apply Effortlessly

Start the process by completing a simple online application. It’s the first step towards making your funding needs a reality.

Receive Tailored Offers

Sit back and let Big Think Capital handle exploring its extensive provider network, ensuring you receive the best funding options. They handle all the groundwork, seamlessly presenting you with choices that fit your needs.

Get Funded Swiftly

Once you’ve chosen the offer that aligns perfectly with your requirements, get ready for swift action. Within as little as 24 hours, you could have the funds you need at your fingertips!

Why Choose Big Think Capital

Effortless Loan Search: Simplify the hunt for favorable business loan rates with Big Think Capital, saving you valuable time and effort.

Versatile Loan Options: Big Think Capital provides a wide array of loan choices to suit your business needs, ensuring you find the perfect financing solution.

Inclusive Credit Options: Even if your credit score is in the 400s or 500s, you can still access loans through Big Think Capital, offering financial support regardless of credit history.

Competitive Interest Rates: Benefit from attractive interest rates that help you keep monthly payments manageable, allowing you to make the most of your financial resources.

Streamlined Application: Big Think Capital’s straightforward application process saves you time and hassle, making it convenient to secure the funds your business requires.

Expert Guidance: Team experts are available to assist with every stage of the process. They will provide the necessary information to make decisions that align with your business objectives.

Tailored for Success: Big Think Capital’s solutions are designed to empower small businesses, helping you grow, expand, and achieve your entrepreneurial dreams.

Building Relationships: As you establish a relationship with Big Think Capital, you can access improved terms and benefits, creating a lasting partnership that supports your ongoing financial necessities.

Unlock the Advantages: Make the smart choice for your business by selecting Big Think Capital to drive your growth and success forward!

Can I trust Big Think Capital? Is it a legitimate company?

Big Think Capital is a reliable and trustworthy company with a proven record of helping business owners secure financing for growth and stability. The company has received an A+ rating on the Better Business Bureau and over 2,000+ reviews on Trustpilot, with an impressive 98% being five-star ratings. Additionally, they have been certified as a Small Business Finance Professional (CSBFP). This positive feedback highlights the company’s dedication to providing dependable financial solutions.

0 +

Satisfied Customers

0 /5

Customer satisfaction Rate

$ 0 M+

Funded Nationwide

Big Think Capital Customer Service

Based in Melville, NY, Big Think Capital takes great pride in delivering exceptional customer service that caters to your financial needs with professionalism and care. Their committed support team is always on standby to address any questions or concerns you might have throughout the financing journey.

Whether you’re at the application stage, seeking insights into loan options, or requiring assistance with documentation, their team of experts is dedicated to offering tailored guidance. They focus on clear communication, swift responses, and ensuring a seamless experience supporting you every step of the way.

Big Think Capital places your satisfaction at the forefront. You can easily connect with their customer service representatives through various channels, including phone, email, live chat, or the contact form on their website. Rest assured that your financial success is their top priority.

States Serviced by Big Think Capital

The state’s serviced may change without prior notice.

Alabama	Georgia	Maryland	New Jersey	South Carolina
Alaska	Hawaii	Massachusetts	New Mexico	South Dakota
Arizona	Idaho	Michigan	New York	Tennessee
Arkansas	Illinois	Minnesota	North Carolina	Texas
California	Indiana	Mississippi	North Dakota	Utah
Colorado	Iowa	Missouri	Ohio	Vermont
Connecticut	Kansas	Montana	Oklahoma	Virginia
Delaware	Kentucky	Nebraska	Oregon	Washington
District of Columbia	Louisiana	Nevada	Pennsylvania	Wisconsin
Florida	Maine	New Hampshire	Rhode Island	Wyoming

Frequently Asked Questions

Most frequently asked questions about Big Think Capital Business Loans.

Is Big Think Capital a direct lender?

No, Big Think Capital is a financial services marketplace that provides various loan options for small businesses, helping them secure the funding they need to grow and succeed.

What types of loans does Big Think Capital offer?

Big Think Capital offers a range of loan options, including business term loans, equipment financing, merchant cash advances, AR invoice factoring, and SBA loans.

How do I apply for a loan with Big Think Capital?

You can apply for a business loan through the Big Think Capital website by filling out an online application. You’ll need to provide basic information about your business, such as annual revenue, credit score, and time in business.

How quickly can I get approved and funded?

Big Think Capital offers fast approval and funding times, often as quick as 24 to 48 hours, depending on the type of loan and the completeness of your application.

Is my credit score important for loan approval?

While credit score is a factor, Big Think Capital offers options for various credit scores, including opportunities for businesses with lower credit scores.

How does the repayment process work?

Repayment terms and procedures vary based on the loan type you choose. Big Think Capital’s representatives will guide you through your selected loan’s repayment terms and schedule.