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CapFront Business Loans Review

Reviews 875
CapFront
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CapFront
CapFront
Excellent
Reviews 875
Bestmoney Staff
May. 06, 2025
3 min read
BestMoney Staff
CapFront Summary
CapFront is a business lending marketplace that connects merchants and lenders, offering multiple lending and financing options for small and medium-sized businesses. Options include SBA loans, equipment Financing, lines of credit, term loans, and direct lending. Loan applications can be approved in as little as four hours, with SBA funding options of up to $5.5 million.

Pros

  • Multiple financing options
  • Personalized support
  • Flexible terms

Cons

  • Fees may depend on financing option
  • Variable interest rates

CapFront at a glance

9.2
Editorial score

Online experience

Can apply online; offers some online resources; no mobile app
8.0

Customer services and support

Multiple ways to contact lender; standard business hours offered for customer service
8.0

Variety of loan types

Offers all loan types*; borrowers can easily estimate costs and charges based on published information/fine print
10.0

Loan amount range

Borrowing options up to $5 million
10.0

Eligibility

Full transparency in eligibility and terms; requires good personal credit or better and 6+ months in business
10.0

Overview

CapFront is a business lending marketplace that offers a diverse array of financing solutions tailored to small and medium-sized businesses. CapFront connects businesses with suitable funding options, ranging from SBA loans to merchant cash advances. Its application process is straightforward – your loan can be approved in as quickly as four hours. CapFront offers funding up to $5.5 million and rates as low as 1% per month.

Suitable For?

CapFront can be a good fit for small to medium-sized businesses seeking flexible financing options with a streamlined application process. It can be particularly useful for businesses that value personalized support and a variety of loan products to meet diverse financial needs.

Loan Features

CapFront offers multiple types of loans and financing options, including:

  • SBA loans: Government-backed loans up to $5.5 million, with terms ranging from seven to 25 years
  • Equipment financing: Loans up to $80 million for purchasing or leasing equipment, with terms from one to six years
  • Revolving lines of credit: Up to $250,000, with terms from six months to three years
  • Term loans: Working capital loans up to $2 million, expansion loans up to $500,000
  • Merchant cash advances: Up to $5 million, with terms from three to 24 months
  • Direct lending: Loans from $10,000 to $500,000 with terms ranging from three to 12 months


CapFront Highlights

Wide variety of business loans and financing options

  • Online application with dedicated relationship manager support
  • Straightforward application process
  • Quick approval times 
  • A+ Better Business Bureau rating
  • 5/5 TrustPilot rating based on over 800 reviews

The Application Process

Applying for a business loan with CapFront is simple. You start by completing the online application and connecting with one of CapFront’s dedicated relationship managers to discuss your needs. Then you provide the documents requested by them to begin the underwriting process.

Next, you receive multiple funding options within hours and discuss them with your dedicated relationship manager to make sure you choose the right solution for your business.

Depending on the product you choose, funds can be deposited into your account as quickly as the same day that you agree to terms.

Loan Terms and Requirements

This is what you need to qualify for a loan with CapFront:

  • You need to be at least three months in business.
  • Have an annual revenue of at least $60,000
  • Past four months of business bank statements
  • No credit minimum
  • Signed application

Repayment Terms

CapFront’s repayment terms will vary depending on the loan type and the terms you’re approved for. Term options may include:

  • SBA loans: 7-25 years
  • Equipment financing: 12-72 months
  • Revolving lines of credit: 6-36 months
  • Merchant cash advances: 3-24 months
  • Direct lending: 3-12 months
  • Term loans: 6-84 months

Additional CapFront Services

In addition to financing, CapFront offers other services to small and medium-sized businesses, including:

  • Credit preparation: Resources and tools to improve your credit and get ready to apply for your next business loan
  • CFO services: Get a 360° view of your finances, generate projections, clean up your books and boost your profitability to be eligible for better funding options
  • Credit card processing: Comprehensive payment solutions to lower your merchant account fees and surcharges

Privacy and Security

CapFront’s site features robust 256-bit Secure Sockets Layer technology that encrypts transferred data. The company doesn’t share personal information and collects sensitive information only for the purpose of processing your loan application.

Customer Service

CapFront offers customer support Monday to Friday, from 9am to 6pm EST. You can reach the company by phone or email.

As part of its personalized approach, each client is assigned a dedicated relationship manager the moment you start your application. Relationship managers will help you throughout the loan process.

CapFront provides comprehensive information about its financing options, application process, and other services through its website. Additionally, it publishes a blog with a wide array of articles and posts with relevant information to help you improve your business and navigate your lending options.

FAQs

My credit isn’t perfect, can I still get a loan?

CapFront doesn’t have minimum credit requirements, so it’ll consider your application regardless of your credit profile. 

What can I use a CapFront business loan for?

This will depend on the type of loan you apply for. Certain lending options, like equipment financing, can only be used for specific needs. But if you apply for a SBA loan, for example, you can use your funds for whatever business need you may have.  

How long does it take to receive my funds?

You can receive funds from a CapFront in as little as four hours — or the same day you approve the terms on your loan.

What types of fees does CapFront charge?

The fees will depend on the type of loan you apply for and the conditions you choose.  

Summary

CapFront provides a comprehensive suite of financing options tailored to the needs of small and medium-sized businesses. With a focus on personalized service, a variety of loan products, and a streamlined application process, CapFront can be a good fit for your business, especially if you’re looking for a lender that doesn’t have strict credit requirements for approval.

Physical Address

210 Old Country Road, suite 101

Garden City, NY 11501

USA


BestMoney Staff
Written by
Bestmoney Staff
The BestMoney.com editorial team is composed of writers and experts covering a full range of financial services. Our mission is to simplify the process of selecting the right provider for every need, leveraging our extensive industry knowledge to deliver clear, reliable advice.
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