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CAN Capital business loans review

You might get financing for your business — even with poor credit. But look out for daily repayments.

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Min. Amount$2,500
Max. Amount$250,000
Loan Term6 to 18 months
Min. Credit Score550
RequirementsIn business for 2+ months, $150,000+ in gross revenue, less than $175,000 in outstanding tax liens, no bankruptcy claims in the past year, three months of bank or credit card statements, business tax return.

Is CAN Capital legit?

Sort of. CAN Capital recently settled charges from the Securities and Exchange Commission over a complaint involving its investors. But from a borrower’s perspective this lender appears to be relatively safe.

While it doesn’t disclose the range of rates its partners offer, it’s more transparent than most short-term lenders, let alone connection services. And its website is encrypted to protect the information you enter online. But it doesn’t require you to agree to its privacy policy or terms and conditions when requesting a quote. Most legit connection services do.

How much will this loan cost me?

CAN Capital doesn’t disclose the range of rates available — though it admits that like other short-term loans, it’s more expensive than going to a bank. In addition to interest, its partners charges an origination fee up to around 3% on its short-term loans. If you repay your loan within 90 days, its partners offer a discount.

You can borrow between $2,500 to $250,000 per business location with terms from 6 to 18 months. You can find out what rates your business qualifies for by requesting a quote through CAN Capital’s website.

How CAN Capital financing works

The rates, terms and loan amounts your business qualifies for generally depend on factors like your revenue, debts, time in business as well as business and personal assets. Generally, newer businesses with low revenue and high debts will qualify for higher rates or less favorable terms.

What do I need to qualify?

Your business must meet the following requirements to qualify for a CAN Capital business loan:

  • In business six months or longer
  • At least $150,000 in gross annual revenue
  • Less than $175,000 in outstanding tax liens or judgements
  • No business or personal bankruptcies in past year

Your business might need to meet other requirements, depending on the lender you're connected with.

What information do I need to apply?

You need to provide the following information to get started:

  • Name and contact information
  • Industry
  • Time in business
  • Annual revenue
  • How soon you need the funds

Your CAN Capital broker will likely ask for more documents and information before you complete the information. This can include personal and business tax returns, financial statements, bank statements and more.

What industries does CAN Capital work with?

CAN Capital doesn’t explicitly restrict any types of businesses from applying. Generally, short-term loan providers are more willing to work with high-risk industries than banks or long-term loan providers.

What other types of financing does CAN Capital offer?

CAN Capital also offers merchant cash advances to small businesses. These are an advance on your business’s future credit and debit card sales, which you repay plus a fixed fee with a percentage of your daily sales.

Funding amounts, requirements and terms are the same as the short-term business loan. But it comes with a $595 administrative fee instead of an origination fee.

Pros and cons

This provider can be helpful when your business is facing unexpected expenses, but isn’t right for all businesses. 


  • Only requires six months in business
  • Prepayment discount
  • Loans available per location, not per business
  • Loans start at low $2,500


  • Not transparent about costs
  • Recent SEC settlement 
  • Daily or weekly repayments

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CAN Capital customer reviews and complaints

CAN Capital generally gets positive customer reviews. The majority of customers are pleased with the fast turnaround process. A few have even mentioned going back multiple times. But several also accuse the company of price gauging. 

A few customers say that it’s been inflexible about missed repayments when their businesses lost revenue during COVID-19. One even said they faced retaliation for writing a negative review.

How do I apply?

You can get started on you application by calling 877-523-1888 or filling out a quick form on CAN Capital’s website. Follow these steps to apply online:

  1. Go to the CAN Capital website.
  2. Click the purple Apply now button in the main menu.
  3. Fill out the form with contact information and basic details about your business.
  4. Hit Submit.

What happens after I apply?

After you submit your application, a CAN Capital representative will reach out to you to discuss your options and walk you through the application. You can typically receive your funds with one business day after signing your loan documents.

How do repayments work with CAN Capital?

CAN Capital short-term loans come with fixed daily or weekly repayments that it automatically deducts from your business’s bank account. You can find the details of how much you owe and when it’s due in your loan agreement.

It doesn’t charge prepayment penalties. In fact, it encourages prepayment by offering a discount to borrowers who repay their loan within 90 days. If you need more funding, you can also renew your loan instead of going through the full application process again.

Read about our top picks for business loans to learn about other financing options available to you.

Frequently asked questions

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

CAN Capital is a short-term lender that offers fast loans starting at $2,500. It can be a good option for businesses looking to cover an unexpected expense, want to supplement a line of credit — especially if you’ve struggled to qualify elsewhere. It’s available to businesses that have been around for as little as six months and is more flexible than most lenders about judgements, tax liens and past bankruptcies.

But while it’s not transparent about the cost of its loans, it’s likely expensive. The daily and weekly repayments can also be difficult for some small businesses to manage. If your business has inconsistent cash flow, consider other options.

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