CapFront Review: Many Loan Options for Small Businesses (2026)
- Min. Amount
- $10,000
- Max. Amount
- $9,000,000
- APR
- As low as 1% per month (direct lending); as low as 4.99% simple interest (expansion loans); as low as 4.66% simple interest (lines of credit); as low as 6% (equipment financing); 1.09 factor rate (merchant cash advances)
Our verdict
A hybrid lender and marketplace offering small businesses everything from same-day working capital to long-term SBA loans.
CapFront is a New York-based small business funding company that operates as both a direct lender and a marketplace, depending on the product. Its lineup spans term loans, lines of credit, equipment financing, merchant cash advances, invoice factoring and SBA loans.
Every applicant gets a dedicated relationship manager, a genuine differentiator in online business lending. The application is free and won't affect your credit score. That said, fee information isn't disclosed on the website, some products carry strict eligibility requirements and CapFront doesn't always make it clear whether you're borrowing directly from them or being matched with a third-party lender.
Best for: Small business owners who want personalized guidance finding the right financing product.
Pros
-
Wide product range: term loans, lines of credit, SBA loans, MCAs and more
-
Free application with no credit score impact
-
Same-day funding available on select products
Cons
-
Fee details not listed on the website
-
Some products require strong credit and established financials
-
Not always clear when CapFront is lending directly vs. connecting you with a third party
Key takeaways
- CapFront is a legitimate lender with an A+ BBB rating, founded in 2017 and offering one of the widest product ranges of any online business lender — from lines of credit and working capital loans to equipment financing, MCAs and SBA loans.
- Every applicant is paired with a dedicated relationship manager who walks you through options and helps compare costs — an advisory layer consistently praised in Trustpilot reviews and uncommon among online business lenders.
- Fee information is not disclosed on CapFront’s product pages — ask your relationship manager for a full cost breakdown, including origination fees and prepayment penalties, before accepting any offer.
Is CapFront legit?
CapFront was founded in 2017 and is headquartered in New York, with offices in Melville, Long Island and Manhattan. The company’s founders, CEO Zack Fiddle and COO Mike Behar, are publicly identified on the website along with team bios. CapFront holds a California Finance Lender license (#60DBO-178267) issued by the California Department of Financial Protection and Innovation, and its CEO is a member of the Forbes Business Council.
CapFront has been BBB-accredited since August 2022 and currently holds an A+ rating. The company’s stated mission is to protect small business owners from predatory lending practices in an underregulated market, and that philosophy is reflected in how transparently it describes its products and costs online.
What makes CapFront shine?
- Wide product range under one roof. CapFront offers direct lending, lines of credit, term loans (working capital and expansion), equipment financing, merchant cash advances, invoice factoring and SBA loans — a realistic one-stop shop for most small business financing needs.
- Dedicated relationship managers. Every applicant is paired with a human advisor who discusses needs, evaluates options and explains how to compare costs. This advisory layer is uncommon among online business lenders, and customers on Trustpilot consistently single it out as the highlight of their experience.
- Accessible entry points on key products. The line of credit requires a 560+ FICO score and six months in business — a lower bar than many traditional lenders. Equipment financing requires a 600+ FICO and $10,000 in monthly revenue.
- Fast funding on select products. Depending on the product, funding can land in your account the same day you agree to terms, or within 24 hours for equipment financing.
- Dual-track funding. CapFront offers a simultaneous short-term and long-term approach for businesses that need capital now while working toward more sustainable, lower-cost financing over time.
Where CapFront falls short
- Fee information isn’t disclosed. CapFront doesn’t list origination fees, prepayment penalties or other costs on its product pages. You’ll need to go through the application and speak with a relationship manager to get the full picture.
- Expansion loans have strict requirements. To qualify for the expansion loan — which offers rates as low as 4.99% and terms up to 10 years — you typically need excellent personal credit, a low debt-to-income ratio and an established, profitable business.
- The direct lender vs. marketplace distinction isn’t always clear. CapFront describes itself as both a “true marketplace” and a “direct lender” depending on where you’re reading. In practice, some products use CapFront’s own capital and others match you with third-party lenders. It’s worth asking your relationship manager upfront.
How CapFront compares to other lenders
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The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.
CapFront loan details
| Feature | Details |
|---|---|
| Minimum credit score | Varies by product: 560+ (line of credit), 600 (equipment financing), 650 (SBA 504), 675 (SBA 7(a) and Express); working capital loans evaluated holistically |
| Rates | As low as 1% per month (direct lending); as low as 4.99% simple interest (expansion loans); as low as 4.66% simple interest (lines of credit); as low as 6% (equipment financing); 1.09 factor rate (merchant cash advances) |
| Loan amounts | $10,000–$500,000 (direct lending); up to $1M (line of credit); up to $2M (working capital loans); up to $500,000 (expansion loans); up to $5M (merchant cash advances); up to $5M (SBA 7(a)); up to $500K (SBA Express); up to $9M (SBA 504); up to 100% of equipment value (equipment financing) |
| Terms | 3–12 months (direct lending); 6 months–3 years (lines of credit); 3 months–3 years (working capital loans); 6 months–10 years (expansion loans); 3 months–2 years (merchant cash advances); 10–25 years (SBA 7(a)); 10 years (SBA Express); 25 years (SBA 504) |
| Approval turnaround | As fast as 4 hours; same-day funding available on select products |
| Repayment frequency | Daily, weekly, bi-weekly or monthly depending on product |
| Fees | Not listed |
| Application fee | None — applying is free |
CapFront contact info
| Channel | Details |
|---|---|
| Phone | 844-466-6394 |
| info@capfront.net | |
| Long Island office | 445 Broadhollow Road, Suite 320, Melville, NY 11747 |
| Manhattan office | 265 West 37th Street, Suite 2006, New York, NY 10018 |
| Customer service hours | Not listed |
| facebook.com/CapFront | |
| X (formerly Twitter) | twitter.com/CapFront |
| instagram.com/capfront | |
| linkedin.com/company/capfront |
How to qualify for CapFront
CapFront doesn’t publish a universal eligibility checklist — requirements vary by product. Here’s what the website discloses for each:
Line of credit
- 560+ FICO score
- At least 6 months in business
- No more than 3 days of negative bank account balance
Equipment financing
- 600+ FICO score
- $10,000 in monthly revenue
- At least 2 years in business
SBA 7(a) and Express
- 675+ FICO score
- At least 2 years in business
SBA 504
- 650+ FICO score
- 2 years in business (preferred)
- 10% down payment required
Working capital loans
- More flexible — approval is based holistically on time in business, industry and cash flow rather than credit alone
- Business bank statements typically required
Expansion loans
- Strong personal credit
- Low debt-to-income ratio
- Established, profitable business
- Both personal and business financial statements typically required
How to apply
- Submit a free application online. Visit capfront.net and click “Apply Now.” CapFront states that applying won’t affect your credit score.
- Connect with a relationship manager. A dedicated advisor reaches out to discuss your business needs, explain your options and collect any supporting documents needed to begin underwriting.
- Review your funding options. You’ll receive multiple offers within hours (timing varies by product), which your relationship manager walks through with you to help identify the most cost-effective choice.
- Accept terms and get funded. Once you agree to terms, funding can land in your account the same day for select products, or within the timeframe specific to your loan type.
CapFront reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 1 out of 5 stars, based on 1 customer reviews |
| Trustpilot Score | 4.9 out of 5 stars, based on 1,117 customer reviews |
| Customer reviews verified as of | 04 June 2026 |
On Trustpilot, customers consistently praise individual relationship managers by name for clear communication, personalized guidance and a low-pressure approach. Common themes include fast funding, multiple options presented upfront and a stress-free process for first-time borrowers. A small number of reviewers flagged slower-than-expected timelines or wanted more support when issues arose with a third-party lender match.
The single BBB customer review visible at the time of writing was negative, citing high fees and an aggressive response from an executive when the customer declined to proceed. CapFront’s A+ rating reflects its track record across complaints, not individual reviews.
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Frequently asked questions
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Megan B. Finder
Editor, Loans & Insurance
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