Delta Capital Group: Fast Cash Option with Mixed Reviews (2026)
Delta Capital Group isn't available on Finder right now.
- Min. Amount
- $5,000
- Max. Amount
- $5,000,000
- APR
- Starting at 6.99% APR per product page headlines; full range not listed on its website. Equipment financing calculator shows 7.99% APR as an example.
Our verdict
Same-day funding for businesses that can't wait, but you'll need to call to get real rates.
Delta Capital Group is a Hollywood, Florida-based lender — or possibly a broker, given conflicting language on its own website — that markets fast unsecured funding from $5,000 to $5,000,000. The pitch is appealing: a 500 credit score minimum, no collateral on most products, same-day wires and a soft-pull application. The catch is that the company doesn't disclose rates or fees publicly, so you're going in blind until you speak with an advisor. Customer reviews are sharply divided, with praise for speed and individual advisors alongside complaints about aggressive sales tactics and data-sharing concerns. Best suited to businesses that need capital fast and can't qualify elsewhere.
Best for: Businesses with at least six months of history and $15,000 in monthly revenue that need cash quickly and aren't eligible for bank financing.
Pros
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Same-day funding available via wire transfer
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Low credit minimum — 500 FICO accepted
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No collateral required on most products
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No prepayment penalty on most products
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Soft credit pull on application — no hit to score
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Wide product range: loans, LOC, MCA, equipment financing, invoice factoring and SBA
Cons
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Rates, fees and terms not disclosed on its website
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Conflicting claims about being a direct funder vs. a broker
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Some customers report aggressive and repeated sales contacts
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Long-term loans may require collateral
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Revenue threshold ($15,000/month) may exclude early-stage businesses
Is Delta Capital Group legit?
Delta Capital Group, Inc. offers small business loans and is headquartered at 2802 N 29th Ave, Hollywood, FL 33020, has been in business since 2015 and earned BBB accreditation and an A+ letter rating in June 2025.
One flag worth knowing: the company’s website contradicts itself on its structure. The homepage, about page and footer all call it a “direct-funder,” but one FAQ answer says it “matches you with the best offers from our network of lenders.” Some Trustpilot reviewers also accuse it of operating as a broker. Ask directly, before you submit financial documents, whether Delta Capital is the actual funder or is a business loan marketplace connecting you to third-party lenders.
What makes Delta Capital Group shine?
- Same-day funding. Delta Capital Group says 95% of clients are funded within 48 hours, and same-day wire transfers are available in many cases.
- Low credit threshold. A 500 FICO score is the stated minimum, which is well below what most traditional lenders require and competitive for less-than-stellar credit borrowers even among alternative lenders.
- No collateral on most products. The about page states that all funding is offered on an unsecured basis. The long-term loan product description specifically says these loans “tend to require collateral, such as real estate” — so this benefit applies to shorter-term products only.
- No prepayment penalty. Most products can be paid off early without additional fees.
- Soft credit pull to apply. The application uses a soft credit inquiry, so checking your options doesn’t affect your credit score.
- Wide product range. The company offers lines of credit, short- and long-term loans, equipment financing, invoice factoring, merchant cash advances and SBA loans — more options than many single-product lenders.
Where Delta Capital Group falls short
- No rate transparency. APRs, factor rates and fee schedules aren’t published on the website. Product pages mention rates “starting at 6.99% APR” in headline text, but no full rate range, term-specific pricing or fee disclosure appears anywhere on the site. Equipment financing lists a “7.99% APR” example in its calculator. Those are the only rate figures we could confirm.
- Long-term loans may require collateral. While most Delta Capital products are unsecured, the long-term loans page notes these loans “tend to require collateral, such as real estate” — directly contradicting the site-wide “no collateral” marketing.
- Conflicting direct funder vs. broker claims. The company’s own website contradicts itself on whether it funds loans directly or connects borrowers with a network of lenders. This matters because it affects how your data is shared and who you’re ultimately borrowing from.
- Aggressive sales contacts. Multiple reviews describe repeated calls and texts from sales advisors after applying, including contact after explicitly asking to stop.
- Revenue floor may exclude newer businesses. The $15,000-per-month minimum revenue requirement ($180,000 annually) isn’t a low bar for newer businesses, even if you clear the six-month age and credit score minimums. You may want to consider startup business loans if you’re a newer business.
- State availability not disclosed. Which states the company operates in isn’t listed on its website.
How Delta Capital Group compares to other lenders
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Delta Capital Group loan details
| Detail | Info |
|---|---|
| Minimum credit score | 500 FICO |
| APR | Starting at 6.99% APR per product page headlines; full range not listed on its website. Equipment financing calculator shows 7.99% APR as an example. |
| Loan amounts | $5,000 to $5,000,000; LOC, short-term, long-term, MCA and SBA pages say up to $2,000,000; equipment financing and invoice factoring pages say up to $500,000 |
| Loan terms | Four months to five years; long-term loans page says five to 20 years |
| Approval/funding turnaround | Decision within hours; funding same day to 48 hours |
| State availability | Not listed |
| Origination fee | Not listed |
| Prepayment penalty | None on most products |
| Late fee | Not listed |
| Collateral | Not required on most products; long-term loans may require collateral |
Delta Capital Group contact info
| Phone | (877) 230-1525 |
| Customer service hours | Monday–Friday, 9 a.m.–6 p.m. (per lender website) |
| Not listed on its website | |
| X (formerly Twitter) | @deltacapitalgrp |
| facebook.com/deltacapitalgrp | |
| @deltacapitalgroup |
Calculate your monthly loan payments
Delta Capital Group doesn’t publish its actual rates, so use the calculator below as a starting estimate — your real offer may differ.
Business loan repayment calculator
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How do you qualify for a Delta Capital Group loan?
Delta Capital Group states the following minimum requirements on its website:
- At least six months in business
- $15,000 or more in monthly revenue ($180,000 annually)
- 500 or higher FICO score
Beyond those minimums, the company reviews your last three months of bank statements as part of underwriting. Collateral isn’t required on most products, though the long-term loan product page notes collateral may be needed for those loans.
How to apply for a Delta Capital Group loan
The company describes a three-step process on its website.
- Apply and submit documents. Fill out the online application at deltacapitalgroup.com/apply-now. It takes a few minutes and asks for your business name, contact details and revenue information. You’ll also upload your last three months of bank statements. This step uses a soft credit pull and doesn’t affect your credit score.
- Underwriting and approval. A funding specialist contacts you to discuss available offers. The company says underwriters work to approve applicants at the maximum amount their financials support.
- Sign and fund. Once you accept a term offer, you’ll sign a contract. After a final underwriting and bank verification call, funds are wired to your account, same day in many cases.
Delta Capital Group reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 4.4 out of 5 stars, based on 15 customer reviews |
| Trustpilot Score | 4.6 out of 5 stars, based on 243 customer reviews |
| Customer reviews verified as of | 09 July 2026 |
Delta Capital Group’s Trustpilot score is driven primarily by customers who praise individual advisors by name and highlight fast funding. Reviewers frequently mention same-day deals, flexible terms and situations where Delta came through when other lenders couldn’t. Positive reviews span a range of industries including construction, medical practices and retail.
The criticism is pointed. Several Trustpilot and BBB reviews accuse the company of misrepresenting itself as a direct lender when it functions as a broker, and of sharing applicant data with third parties. Others describe receiving calls and texts after explicitly asking to be removed from contact lists — one BBB reviewer specifically calls it a “bait and switch” operation.
What are people saying on Reddit?
Delta Capital Group doesn’t surface frequently in Reddit business lending discussions. When it does come up, sentiment mirrors the Trustpilot split — some users report smooth, fast experiences while others question whether the company operates as a true direct lender or a lead-generation operation. Given the volume of conflicting information online, it’s worth asking the company directly about its role before submitting financial documents.
Frequently asked questions
Your reviews
Megan B. Finder
Editor, Loans & Insurance
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