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Seek Business Capital startup specialists review

Startups and newer businesses could qualify for up to $500,000 with a custom financing package.’s rating: 4.1 / 5.0


One of the biggest hardships of opening a new business is getting access to funding. Many lenders don’t want to see your application if you don’t have at least six months of revenue, and many turn your business away until you have at least two years of bank statements.


Min. Amount$5,000
Max. Amount$500,000
Min. Credit Score680
APRVaries by lender
RequirementsPersonal credit of 680+, no bankruptcies in the last 4 years.

First, do I qualify?

  • You must have a personal credit score of at least 680
  • You must not have filed for bankruptcy in the last four years

What is Seek Business Capital?

Seek Business Capital is a loan connection and consulting service that covers a broad range of needs for startups and new businesses. It compiles a funding package unique to your business and helps make the lending process simpler, but it won’t be funding your loan directly.

Its main focus is on helping your business get financing through unsecured loans, lines of credit and credit cards that you may not otherwise qualify for. It also offers consulting services that can help you build your business model and plan for the future.

Your funds will come from third-party lenders based on the underwriting process conducted by Seek Business Capital. All you’ll have to do is read over your Funding Estimate and agree to the terms — though you’re under no obligation to accept the offer from one of its partner lenders. You can generally expect funding within one to three weeks.

In an interview with Finder, Partner Relations Manager Daniel Plom said this about the company: "Seek Capital is an alternative lending company that helps new and existing businesses acquire funding. All funding is based off of personal credit score and doesn’t require collateral, tax returns, financial statements or business revenue. Since launch in 2015, Seek Capital has helped fund over 2000 different businesses approximately $275 million dollars."

What makes Seek Business Capital unique?

Unlike many other lenders and consulting agencies, Seek Business Capital focuses on startups, new businesses with low revenue and seasonal businesses. Once you provide details about your business and your plan for the loan, Seek Business Capital creates a unique plan that determines your loan amount and the sort of funding you qualify for to start building your business. There are no upfront fees, but you will have to pay a fee of 9.99% of your loan once you get your funds.

Seek Business Capital looks at your business plan and your personal credit score to develop a unique Funding Estimate. The Funding Estimate is a combination of third-party business and personal financing that can be used to purchase items, fund invoices or take care of most business expenses.

These work well for short-term needs, especially if you haven’t generated enough revenue from your clients but still need to make purchases. Your funding package will range from $5,000 to $500,000 depending on your business’s needs. To top if off, APRs starts off at 0% for the first 12 to 18 months. This helps keep costs low while you’re expanding your business. However, the company isn’t transparent about what APR you might qualify for after that introductory period is over.

What are the benefits of using Seek Business Capital?

  • Helps find funding solutions. It can be hard to know where to start when it comes to getting funding. Seek Business Capital’s viability assessment analyzes the type of funding that benefits you and creates a plan to help generate funding now and in the future.
  • Relies on more than credit. Although you’ll still need to have a decent personal credit score to score a loan, Seek Business Capital gauges the potential of your business model when it determines funding.
  • Low intro APR. For the first 12 to 18 months, your business may be eligible for a 0% APR. This means you’ll be paying back only the amount you borrow. But watch out — once this period is over, you may have to pay high interest.

What to watch out for

  • Consulting service. Seek Business Capital isn’t a lender. Rather, it helps new and small businesses find the funding they need to build capital and expand their services.
  • Need a strong personal credit score. Your credit needs to be at least 680 to qualify. This can be hard for many people who have started other businesses or have been applying for funding elsewhere, so consider ways to improve your credit score before applying.
  • Funding through credit cards. This provider’s funding packages could include credit cards. Although personal and business credit cards are similar to lines of credit, they tend to come with higher interest rates after a low introductory period. Consider your revenue and ability to repay before signing on to multiple cards at once.
  • Lack of transparency around rates. While Seek Business Capital offers a 0% intro APR for 12 to 18 months, it doesn’t state the APR after that introductory period ends.

Compare more business loan providers

Explore your options by loan amount, APR and other requirements. Select the Go to site button for more information about a particular product.

Name Product Filter Values Loan amount APR Requirements

Biz2Credit business loans
Finder Rating: 4.7 / 5: ★★★★★

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$25,000 – $6,000,000
Starting at 5.99%
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Get only the capital you need through secure, prescreened lenders with this highly rated company offering SBA, expansion, working capital and other loans.

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Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.

ROK Financial business loans
Finder Rating: 4.7 / 5: ★★★★★

ROK Financial business loans
$10,000 – $5,000,000
Starting at 6%
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.

OnDeck short-term loans
Finder Rating: 4.6 / 5: ★★★★★

OnDeck short-term loans
$5,000 – $250,000
As low as 35%
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A leading online business lender offering flexible financing at competitive fixed rates.

Fundbox lines of credit
Finder Rating: 4.2 / 5: ★★★★★

Fundbox lines of credit
$1,000 – $150,000
Not stated
6 + months in business, $100,000+ in annual revenue, 600+ credit score
Get flat rate, short-term financing based on the financial health of your business, not your credit score.

Compare up to 4 providers

Seek Business Capital reviews and complaints

BBB accredited Yes
BBB rating B
BBB customer reviews 3.9 out of 5 stars, based on 95 customer reviews
BBB customer complaints 60 customer complaints
Trustpilot Score 4.1 out of 5 stars, based on 94 customer reviews
Customer reviews verified as of 13 October 2020

Many customers state that Seek Business Capital quickly obtained funding and that customer service was excellent. However, the most recent reviews are mixed. Customers on the BBB have left 1-star reviews throughout 2020, while customers on Trustpilot are largely positive. Negative reviews complain of misleading information and that the fees and types of cards provided by Seek Business Capital weren’t fully disclosed.

When dealing with any large line of credit or loan, have a professional accountant or lawyer look over your documents. Seek Business Capital charges a 9.99% fee once your funding is received, and the funding package you’re given likely is comprised of both business and personal credit cards.

How do I get connected with lenders?

To see if your business is eligible for preapproval, start by clicking the Go to site button to be redirected to Seek Capital website. You’ll see a quick online form that takes just a few minutes to fill out.

  1. Start your online form by supplying how much money your business needs and its purpose.
  2. Enter your contact information, including your business name, industry and state.
  3. Select how long you’ve been in business, your average monthly sales and your personal credit score range.
  4. Select Get Funding Quote to see if you’ve been preapproved.

Application process with screenshots

If you enter the preapproval process, one of Seek Business Capital’s representatives calls to go over your funding options. You also have the option of downloading the full online form to complete and send back via mail or fax, which may help speed up the process.

What documents will I need?

To complete Seek Business Capital’s online form, you’ll need your business’s:

  • Bank statements from the past three months
  • Profit and loss statements

If your business is new and hasn’t yet developed these statements, don’t worry. Seek Business Capital also offers Entity Creation and Business Plan Creation services to help you and your partners get your new business registered and ready to open its doors.

What happens after I’m approved for funding?

Since your funding could be a combination of personal and business financing, carefully review your terms to make sure you agree to each line of credit. From here, you can agree to accept your Funding Estimate. You’re charged a 9.99% fee once your package is processed.

Your payment due dates and any other potential fees depend on the individual lenders.

Bottom line

Seek Business Capital can be a great resource for business owners who may not be able to get funding from more traditional sources like banks or credit unions. However, the mix of business and personal credit cards may not appeal to some borrowers, especially those with high credit and established banking relationships with other lenders.

You may want to compare your business credit card options or look into multiple business loan providers that suit your needs before committing to any one financing solution.

Frequently asked questions

Can I use Seek Business Capital even if my business doesn't have any revenue?

Yes. Seek Business Capital will work with new businesses that may not have begun operations.

How long does it take to get my funding?

It takes between one and three weeks to fully process your Funding Estimate. This is because each bank and lender works at its own pace and has to assess your online form individually.

Will I have to pay any upfront fees?

No. Seek Business Capital doesn’t charge any fees to start the funding process.

Business loan ratings

★★★★★ Excellent
★★★★★ Good
★★★★★ Average
★★★★★ Subpar
★★★★★ Poor

We rate business loan providers on a scale of 1 to 5 stars based on factors like transparency, costs and customer experience. We don’t take into account elements like eligibility criteria, state availability or payment frequency — we save that for our reviews.

Read the full methodology of how we rate business loan providers to get a better picture of what goes into each star rating.

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