Broker
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Big Think Capital

Advertiser Disclosure

About company

Big Think Capital is a financial services marketplace specializing in helping businesses find the capital for expansion, day-to-day operations, or debt restructuring. The company was established in 2017 and is located in Melville, New York. 

It assists business services professionals like financial planners or lawyers to find appropriate funding for their clients and cover business expenses. Big Think Capital is considered legitimate due to it being Better Business Bureau (BBB) accredited and having A+ rating.

Pros and cons

Big Think Capital has many reviews from customers that show that the company's services are quite controversial. So, it needs to have a closer look.

Pros 

  • Has A+ Better Business Bureau (BBB) accredited and excellent Trustpilot reviews.
  • Has low-interest rates starting at 1.15%.
  • Through Big Think Capital, customers can get multiple offers from various lenders
  • No credit report check-ups. The lenders make the investment decision about the clientele's creditworthiness independently.
  • The straightforward and fast application process.
  • Provides funding within a day.
  • Uses government-compliant controls to protect clientele's data.
  • Big Think Capital does not dictate how loans should be spent or disbursed, like banks, venture capitalists, or investors do.

Cons

  • Requires at least 1year of operation in business.
  • Has a high monthly revenue requirement of $15K.
  • Most of the services have minimal credit score requirements starting from 600.
  • The company has no mobile application.

Hence, if you're a busy small business owner lacking time to research and apply to a great number of individual lenders, Big Think Capital can be a great option for you, as it guides customers throughout the whole application process and has up-to-date security data program.  

Terms and conditions

Big Think Capital has an array of various business loans to choose from. To qualify for them, the clientele will need to have at least 600 minimum credit score, one or two years of operation in business, and minimum annual revenue from $50,000 to $100,000.

One of Big Think Capital's services is an SBA Loan for the purchase of fixed assets such as real estate, equipment, disaster recovery, or refinancing of other debts. SBA Loans are long-term and partially guaranteed by the government. Interest rates vary from 6% to 13%. The loan term is 5-25 years. Loan amounts constitute $5,000 – 5.5 M.

Customers who are looking for a flexible credit line can apply for a Business Line of Credit with a 7-25% interest rate, loan term from 6 months to 5 years, and $10k-1M loan amount. That service can be used at any time of purchase.

As a term loan, it can be suitable for purchasing business inventory. The interest rate is 7-30% at terms of the loan varying from 1 to 5 years. The loan amount makes up $25k – $1MM.

For small business owners, there is a short-term loan option. It allows them to cover small business costs, buy stock, and purchase equipment that will pay off in less than two years. The minimal interest rate is 14%. Loan amount $2,500–250k. The term of the loan is from 3 to 18 months.

To cover unpaid invoices or pay current bills, customers can apply for invoice financing. The loan amount constitutes 50-90% of the value. The term of the loan ends when all the invoices are paid.

Also, there is a Small Business Startup loan, which enables startups to launch or fund a small business, get a business credit card, equipment financing, and credit line builders. For this service, collateral is required. The interest rate is from 7,9 to 19,9%. The loan amount makes up to $150k. The term of the loan is from 6 months to 4 years.

If customers need to get a quicker alternative to more traditional funding methods, they can apply for Merchant Cash Advance. It represents an advance on future credit or debit card sales. The interest rate is 1,15%. Loan amount $2,500–250k. The term of the loan comes to an end when the advance is paid.

To get business equipment, car loans, or leases, customers can apply for equipment loans with interest rates from 8 to 20% and loan amounts up to 100% of value.

Funding a loan

Borrowers can get their money from Big Think Capital’s partner to their bank accounts. Time to funding varies from one, two to 20 business days. The operational time of the loan depends on the loan type, but generally is from half a year to a year.

Big Think Capital

FAQ

Is Big Think Capital a direct lender?

Big Think Capital is not a completely direct lender. After assessing the clientele's application, it reroutes the application to lenders from its network. Hence, customers can select their lender themselves while Big Think Capital helps them through the rest of the lending process until getting funds.

What does Big Think Capital do?

Big Think Capital is a direct lender company and financial service marketplace that covers owners' expenses for business needs by providing financing to them. It offers various types of loans for small business owners, startups, and other entrepreneurs looking for untraditional financial options for their business expansion.

Is Big Think Capital legit?

Big Think Capital is a legit company that is top 3 Customer Satisfaction Business loans service, and Small Business Administration accredited. Nonetheless, before applying for Big Think Capital's services, customers have to consult their personal financial adviser to consider all the possible financial solutions appropriate for them.

Company documents

Privacy Policy
Terms of use

We are dedicated to providing business borrowers with a straightforward and transparent funding platform, providing informational resources to ensure that borrowers fully understand their options,  and to dealing with borrowers and referrers with the highest standards of business ethics.

© Big Think Capital, Inc
Offers
Big Think Capital
Small Business Lending
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$5,000-$5,000,000
Rate
i

Interest rate

up to 14%
Term
i

Loan term for the financial product

up to 25 years
Similars products
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $5,000,000
Rate
i

Interest rate

correlated with the current market rate
Term
i

Loan term for the financial product

up to 20 years
Nuula
Business loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$5,000-$2,000,000
Term
i

Loan term for the financial product

up to 36 months
LoanMe
Business Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$3,500 - $250,000
Calculate loan payments in Big Think Capital

Big Think Capital calculator will allow you to calculate an approximate payment schedule for the loan

Big Think Capital calculator
Interest rates are given in accordance with the rates of the Big Think Capital of 15.02.2025
Loan amount
i

Enter the desired loan amount

USD
USD
50000 $
5000000 $
Loan term
i

Specify the loan term for the calculation

years
months
1
25
State
Your comment has been added
Error
Your complaint has been recorded
Invalid username or password
comment.alert.error-reg
Please log in to like/dislike
Invalid SMS code has been entered
Big Think Capital reviews 2025
Leave feedback
Similar companies
LendingUSA
15303 Ventura Blvd, Suite 850 Sherman Oaks, CA 91403
+1 (800) 994-6177
Zirtue
1920 Mckinney Ave Dallas, TX 75201
Peerform
711 Third Ave, 6th Floor New York, NY 10017-4029
Bankuish
2401 Collins Ave, Miami Beach FL, 33140
Nova Credit
22 West 21st Street 8th floor New York, NY 10010