InterNex Capital business loans review |

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InterNex Capital business loans review

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Revolving lines of credit from $250,000 to $10,000,000 backed by your business’s invoices.

Got a business that relies on invoices? If you’re looking for a cashflow fix that lets you keep your customer relationships, you might want to check out InterNex Capital. This company offers user-friendly lines of credit backed by your invoices. This option isn’t for startups or very small businesses — revenue requirements are higher than many other online lenders and your business needs to be around for at least two years.


Min. Amount


Max. Amount


Product NameInterNex Capital revolving line of credit
Min. Amount$250,000
Max. Amount$10,000,000
Loan TermUp to 1 year
RequirementsAt least two years in business, make at least $1 million in annual revenue

First, do I qualify?

Your business needs to meet the following requirements to qualify for an InterNex Capital line of credit:

  • Be in business for at least two years.
  • Have an annual revenue of at least $1 million.
  • Be located in any state but South Dakota.

What’s InterNex Capital?

InterNex Capital is an online invoice financing company that offers lines of credit backed by your business’s invoices. Qualified businesses can apply for credit limits between $250,000 and $10,000,000 with rates capped at 18%. Credit lines come with a 12-month term, with the option to renew each year.

There are no application fees, late fees or prepayment penalties. However, InterNex Capital charges a small percentage of each withdrawal that comes directly from your funds.

What makes InterNex Capital business loans unique?

InterNex Capital’s user experience is a lot more streamlined than some other invoice financing companies. Its user platform, Velocity, lets your business quickly withdraw funds, manage invoices and integrate your accounting system with your line of credit. Your business can also use Velocity to get analytics on your loan, invoices and customers. And it archives any past documents you’ve uploaded to InterNex.

What are the benefits of an InterNex Capital business loan?

  • User-friendly platform. InterNex’s platform, Velocity, goes above and beyond what many lender platforms do, even offering analytics.
  • Revolving line of credit. Once you’re approved, your business can easily renew its credit line each year for as long as it needs access to funds.
  • Large credit limits. Depending on your business’s revenue and other factors, you could be eligible for credit limits up to $10,000,000.

What to watch out for

  • Startups and very small businesses can’t qualify. Your business needs to be at least two years old and have an annual revenue of at least $1 million to qualify for the lowest credit limit.
  • Not completely transparent about costs. InterNex Capital isn’t forward about the fees you can expect to pay each time you withdraw from your credit line.
  • Not available nationwide. You can’t qualify for an InterNex Capital loan if your business is located in South Dakota.

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Updated September 23rd, 2019
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What does the Internet say about InterNex Capital?

There’s not a lot online about InterNex Capital. As of September 2018, it doesn’t have a Better Business Bureau (BBB) page and only has 18 reviews on Trustpilot. The few customers that have reviewed the company are generally happy with their experience. Its Trustpilot score is a 9.2 out of 10, with 100% of reviewers calling it “Excellent.”

Customers were mainly pleased with the quality of customer service, with a few mentioning that they felt like the InterNex team was actively helping their business grow. Several also pointed out that the application process was reasonable, and costs were low compared to other similar types of financing. There were no negative reviews.

How do I apply?

The easiest way to apply for a loan through InterNex is by filling out its online application. You can also reach out to its sales team if you have any questions by calling 646-791-7507. Before you get started on your application, make sure your business meets its eligibility requirements.


  • Be in business for at least two years.
  • Have an annual revenue of at least $1 million.
  • Be based in any state but South Dakota.

Want to apply for a $10,000,000 credit limit? Your business will likely need to have an annual revenue of at least $50 million.

Keep in mind that when it comes to invoice financing, your invoices must be from business-to-business (B2B) or business-to-government (B2G) transactions. And even though InterNex Capital doesn’t have any credit requirements, it’s possible that your personal and business credit scores might factor into the application process.

Steps to apply

  1. Go to the InterNex Capital site and click Apply Now in the top navigation bar
  2. Fill out the form with your personal and business information before hitting Submit.
  3. Wait for InterNex Capital to get back to you with a PDF of the application along with all required documents.
  4. Wait for InterNex Capital to get back to you with an offer. Review the offer and the terms and conditions before electronically signing the loan documents.

The whole process generally takes between four and seven days.

How to apply step-by-step with screenshots

What documents do I need to apply?

InterNex Capital typically requires businesses to submit the following documents along with the application:

  • Accounts receivable (AR) aging report.
  • Three most recent months of business bank statements.
  • Profit and loss (P&L) statement.
  • Balance sheet.
  • Debt schedule.

I got an InterNex Capital business loan. Now what?

Your business doesn’t need to worry about paying off your InterNex Capital line of credit until it makes its first withdrawal. You can withdraw your funds by logging into Velocity. Keep in mind that InterNex Capital takes a small percentage of each withdrawal as a fee, so you won’t get the full amount you ask for. Your business then pays off its balance as your customers pay their invoices.

Have any questions about the process? Reach out to customer service as soon as possible over the phone or through its live chat feature — we actually had more luck with live chat.

Bottom line

InterNex Capital’s lines of credit could be a useful cashflow solution for established small and midsize businesses that rely on invoices. Its rates are competitive, especially compared to other invoice financing and factoring options. However, its eligibility requirements mean it’s not a great option for startups and very small businesses.

Interested in checking out other financing options? Visit our business loans guide, where you can compare more lenders and learn about how it all works.

Frequently asked questions

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