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 [mmps name=’sbloan.570.Interest_Rate_from’] Loan amounts: [mmps name=’sbloan.568.min_loan’] to [mmps name=’sbloan.572.max_loan’] 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 [mmps name=’sbloan.570.bankName’]

[mmps name=’sbloan.570.bankName’] small business loans review

Founded in 2017, [mmps name=’sbloan.570.bankName’] 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 [mmps name=’sbloan.570.bankName’] 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, [mmps name=’sbloan.570.bankName’] 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 [mmps name=’sbloan.570.bankName’] 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, [mmps name=’sbloan.570.bankName’] 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.

[mmps name=’sbloan.570.bankName’] small business financing at a glance

Direct lending loans

[mmps name=’sbloan.570.bankName’] can function as a direct lender for loans between [mmps name=’sbloan.568.min_loan’] and [mmps name=’sbloan.568.max_loan’] with terms available between [mmps name=’sbloan.568.term_period_min’] and [mmps name=’sbloan.568.term_period_max’] months. Repayments are made either daily or weekly. These loans are funded directly from [mmps name=’sbloan.570.bankName’].

Some of its other loan products may be referred out to its partner network, which means that when you submit an application on [mmps name=’sbloan.570.bankName’]’s site, you may get a direct loan through [mmps name=’sbloan.570.bankName’] or you may get offers from other lenders.

Expansion term loans

[mmps name=’sbloan.570.bankName’] 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 [mmps name=’sbloan.567.term_period_min’] to [mmps name=’sbloan.567.term_period_max’] months. Depending on your term length, you have the option of setting up payments on a weekly, biweekly or monthly basis.

Interest rates on [mmps name=’sbloan.570.bankName’]’s expansion term loans start at [mmps name=’sbloan.567.Interest_Rate_from’]%, and you can borrow up to [mmps name=’sbloan.567.max_loan’]. 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

[mmps name=’sbloan.570.bankName’]’s working capital loans are a type of unsecured term loan that can provide up to [mmps name=’sbloan.569.max_loan’]. Because they don’t require collateral, rates are a little higher, starting at [mmps name=’sbloan.569.Interest_Rate_from’] 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 [mmps name=’sbloan.570.term_period_min’] to [mmps name=’sbloan.570.term_period_max’] months. Interest isn’t charged unless you borrow against your line of credit. 

The maximum line of credit at [mmps name=’sbloan.570.bankName’] is [mmps name=’sbloan.570.max_loan’], and interest rates start at [mmps name=’sbloan.570.Interest_Rate_from’].

Merchant cash advances

A merchant cash advance (MCA) typically allows you to secure funding within a few days. At [mmps name=’sbloan.570.bankName’], you can borrow up to [mmps name=’sbloan.571.max_loan’] with a merchant cash advance. Instead of interest, you’ll pay an invoice factor rate of at least [mmps name=’sbloan.571.factor_rate_min’]. That means if you secure the lowest rate, you would multiply the amount you borrow by [mmps name=’sbloan.571.factor_rate_min’] to find the total amount you’ll need to repay to [mmps name=’sbloan.570.bankName’] — 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 [mmps name=’sbloan.571.term_period_min’] to [mmps name=’sbloan.571.term_period_max’] 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

[mmps name=’sbloan.570.bankName’] offers an array of equipment financing options. You can take out a traditional equipment loan to purchase equipment outright, use [mmps name=’sbloan.570.bankName’] 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 [mmps name=’sbloan.572.max_loan’]. Interest rates for this product start at [mmps name=’sbloan.572.Interest_Rate_from’]%.

Invoice factoring

Invoice factoring allows you to borrow a set amount of money from [mmps name=’sbloan.570.bankName’] against your outstanding invoices. You’ll get 80% to 90% of the invoice amount upfront. Then, [mmps name=’sbloan.570.bankName’] 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 [mmps name=’sbloan.570.bankName’] collects. [mmps name=’sbloan.570.bankName’] doesn’t disclose fees on its website, but invoice factoring is usually an expensive way to borrow. 

SBA 7(a) loans

At [mmps name=’sbloan.570.bankName’], you can borrow anywhere between [mmps name=’sbloan.574.min_loan’] and [mmps name=’sbloan.574.max_loan’] 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 [mmps name=’sbloan.574.term_period_min’] to [mmps name=’sbloan.574.term_period_max’] 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 [mmps name=’sbloan.576.max_loan’] with [mmps name=’sbloan.570.bankName’]. Terms can be as long as 25 years, but funding can take a while to secure — anywhere between 60 and 120 days.

[mmps name=’sbloan.570.bankName’] borrower requirements

[mmps name=’sbloan.570.bankName’] 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 [mmps name=’sbloan.571.credit_score’] 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 [mmps name=’sbloan.572.credit_score’] minimum credit score. 

SBA loans have even higher requirements at [mmps name=’sbloan.570.bankName’]. 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 [mmps name=’sbloan.576.credit_score’]. 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 [mmps name=’sbloan.570.bankName’]

[mmps name=’sbloan.570.bankName’] vs. [mmps name=’sbloan.222.bankName’]

With higher credit and annual revenue requirements, you’ll have to jump through more hoops for [mmps name=’sbloan.222.bankName’] than [mmps name=’sbloan.570.bankName’]. [mmps name=’sbloan.222.bankName’] 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 [mmps name=’sbloan.570.bankName’].

But if you need an SBA loan, [mmps name=’sbloan.222.bankName’] is a Preferred Lender, which means they can typically fund SBA loans more quickly.

[mmps name=’sbloan.570.bankName’] vs. [mmps name=’sbloan.17.bankName’]

If time is your primary concern, [mmps name=’sbloan.17.bankName’] can provide funding the same day you apply. Credit requirements are slightly higher for [mmps name=’sbloan.17.bankName’]’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 [mmps name=’sbloan.17.max_loan’], [mmps name=’sbloan.570.bankName’] 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 [mmps name=’sbloan.17.bankName’] 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.