The listings featured on this site are from companies from which this site receives compensation. This may influence where, how and in what order such listings appear on this site
BestMoney logo

Big Think Capital Review

Reviews 2,461
Big Think Capital
Big Think Capital
Reviews 2,461
Catherine Miller
Jul. 21, 2022
3 min read
Catherine Miller
Big Think Capital Summary
Big Think Capital helps you find a loan for your small business. When you submit an application, it gathers offers from its network of lenders so you can pick the loan that’s right for you. Plus, its team will guide you through the whole loan process, from application to loan disbursement. You can use the service to access a wide range of loans, so you’re likely to find the right finance solution for your business.


  • Receive offers from multiple lenders
  • Get funds in as little as 24 hours
  • No credit report needed


  • Requires at least 1 year in business
  • High monthly revenue of $15K

Big Think Capital at a glance

Editorial score

Online experience

Good online resources, but no mobile app

Customer services and support

Multiple ways of reaching lender, phone hours not disclosed

Variety of loan types

Offers all loan types

Loan amount range

Loan amount $500K+


Loans available to most credit types, revenue levels, and businesses


Big Think Capital gives you access to a financial services marketplace so you can find a great rate for your business loan. Once you’ve completed your quick application, you’ll be guided through the loan process. Big Think Capital has among the most extensive lending networks in the country which gives them the ability to secure the best approvals for every business.

Why Big Think Capital Is Good For Your Business

Big Think Capital can cut down the time and effort needed to find a good business loan rate. You’ll also be walked through the process and can source loans to cover lots of different business needs. The loan types available through Big Think Capital are most suited to small businesses, although you will need to have been in operation for a certain amount of time (exact period depends on the loan you apply for). In addition, once a relationship is established with the lender that you choose, businesses will have access to lower rates and better terms as they seek additional financing.

Loan Features

Through Big Think Capital’s financial services marketplace, you can access a variety of loans. Which loan is right for your business will depend on the amount you need, the characteristics of your business, and the terms you prefer.

  • Business Line of Credit: This can be used for any purpose. 
  • Equipment financing: This is specifically for purchasing equipment. The equipment acts as collateral for the loan (so if you can’t repay, you’ll need to give up the purchased equipment).
  • Invoice financing: Access quick cash if you have unpaid invoices. 
  • Merchant cash advance: Unlike a traditional loan, you can repay a percentage of each sale. This can be a slower way to repay, but may be more manageable than normal loan repayments. 
  • SBA loans: SBA loans are long-term, low-interest loans and partially guaranteed by the government. They can be used to purchase fixed assets such as real estate or equipment. 
  • Short-term loans: A smaller loan from a credit union or smaller institution with a shorter repayment term but usually less strict requirements.
  • Small business startup loan: Loans suitable for small startups, including business credit cards and equipment financing. 
  • Term loan: A flexible loan that can be used for most purposes.

Application Process

You can apply through the website by answering a few questions including the loan amount you’re seeking, your business’ turnover, and your credit score. If your answers suggest you’re likely to be eligible for offers, a funding manager will walk you through the rest of the full application. 

Big Think Capital will assess your application and forward it to lenders from its network. It will then put together the resulting bids in a way you can easily understand, so you can pick the offer that’s right for you. You can select your lender and Big Think Capital will help you through the rest of the process until you get your funds. 

How Much Can You Borrow?

Although the amount you can borrow will depend on your business’ circumstances, Big Think Capital typically offers loans from $10,000 to $1,000,000.

Repayment Terms

The repayment terms will depend on the loan type you’re seeking, and the offer made by your chosen lender. You’re likely to be offered the following:

Loan typeTermInterest rate
Business Line of Credit6 months to 5 years7-25%
Equipment financingThe estimated life of the equipment8-20%
Invoice financingUntil invoices are paid1.5-3.5%
Merchant cash advanceUntil the advance is repaidAs low as 1.15%
SBA loans
  • 7(a) loan guarantee
  • CDC-504 fixed asset
  • SBA CAPlines
  • SBA export loans
  • MicroLoan program
  • Disaster loans

  • 5-25 years
  • 10-20 years
  • Up to 5 years
  • Up to 25 years
  • Up to 6 years
  • 3-30 years

  • 6-13%
  • 3-6.5%
  • 5.75-8.25%
  • 8-10%
  • 8-13%
  • 4-8%
Short term loan3-18 months14% +
Small business startup loan6 months to 4 years7.9-19.9%
Term loan1-5 years7-30%

How Safe Is It?

Big Think Capital uses government-compliant controls to protect your data, both electronically and physically. Employees are also trained to protect customer information. 

Help & Support

You can contact Big Think Capital by phone, live chat, or through the contact form on their website. 


Big Think Capital makes the process of getting a business loan quicker and easier by taking your application to a network of lenders so you can pick the loan that’s right for you. Plus, the team will guide you through the whole loan process. If you’re a small business owner who’s busy and lacks the time to research and apply to lots of individual lenders, this could be a great solution. 

Physical Address

225 Broadhollow Road

Melville, NY, 11747

Catherine Miller
Written by
Catherine Miller
Catherine Miller is a lead member of personal finance and pension innovator Maji, where she’s responsible for content creation and running Maji’s personal finance masterclass, among others. She is also a freelance writer in the fields of finance and education, and holds degrees in English and education.
Top Business Loans
Read Review|Visit Site
Read all reviews

Must Reads

Personal Loan vs Business Loan - Which is Right for Your Business?
Mar. 04, 2024
You’re 6 Steps Away From Qualifying for a Business Loan
Mar. 04, 2024
Business Loan Options for Women-Owned Businesses
Mar. 04, 2024
Read all articles
Trustpilot reviews
See what some customers are saying about Big Think Capital
Excellent • Reviews 2,461
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
Sort by
Al Rich
3 days ago
We had a great experience with Samantha…
We had a great experience with Samantha at Think Big Capital. Samantha was very pleasant and patient, was definitely on our side and did the best that could be done to help us out of a very tight spot and now we are doing much better thanks to that help.
3 days ago
Great Experience with Chris Van Winkle and BTC
I worked with Chris Van-Winkle at Big Think Capital to get an expansion loan for my marketing agency. Based on my firsthand experience I can unequivocally say that Chris worked incredibly hard to help me get the right funding package, he is knowledgeable, completely transparent and very forthright and professional. I highly recommend Big Think and I suggest you specifically seek out Chris. You won’t regret it. Thanks Chris!
Meera Chawla
4 days ago
100% trust worthy is Joe Pellegrino
Joe Pellegrino is the best guy you can have in the Big Think Capital team, when all of your channels got closed he is the guy who somehow will make it happen. Lenders wanted high pay back as we were not qualifying in the first place , he went over and above and got me a line of credit as a working capital, which had a very low rate of interest and fits my business module. So just go with Joe with lots of confidence, thank you buddy i really appreciate you .
Marlon Gokim
5 days ago
Easy, quick, and simple process.
Denise Thompson
6 days ago
Quick and very easy process
Quick and very easy process. Paul was great to work with and helped my business when others including my own bank of 35 plus years would not. Would recommend Big Think Capital and use their services again.