Applying won’t affect credit score
- Loan Amounts: $5,000 to $250,000
- Average Yearly Revenue requirements: $100,000
- Minimum Credit Score: 625 FICO
- Minimum Time in Business to apply: 1 year
Big Think Capital Small Business Loans Review
Services / Products Offered
- SBA Loans – best rates and terms
- Term Loans – fixed-rate, lump-sum financing
- Business Line of Credit – draw-as-needed; interest only on funds used
- Working Capital / Merchant Cash Advance – fast, short-term, higher cost
- Equipment Financing – up to 100% of equipment value; equipment as collateral
- Invoice Factoring / Financing – advance against outstanding invoices, no monthly payment
- Commercial Real Estate – up to $100M
- Ecommerce, Gig/1099, and HELOC funding
Loan Amounts, Terms & Rates
Overall funding ranges roughly $10,000 to $10M+ (real estate up to $100M). Big Think doesn't fully publish pricing (typical for a broker), but reported ranges by product:
| Product | Amount | Term | Est. Rate |
|---|---|---|---|
| Term Loan | Up to ~$1M | Up to 5 years | ~7–30% APR |
| SBA Loan | Varies | Long | ~6–13% APR |
| Line of Credit | Varies | Revolving | ~7–25% APR |
| Equipment Financing | Up to 100% of value | Tied to asset life | ~8–20% APR |
| HELOC | Varies | Revolving | ~8.25–11.5% APR |
| MCA / Working Capital | Varies | Short (months) | Factor-rate based (highest cost) |
Repayment is typically fixed monthly for term loans; MCA/working capital may be daily or weekly.
Fees & Pricing
- No application fees and no upfront fees; no prepayment penalties advertised.
- Applying is a soft pull — no hard credit inquiry and no credit-score impact to get offers.
- Administrative/origination fees can apply depending on the lender and product. Because it's a marketplace, final fees and rates are set by the funding partner, so exact costs vary by offer — borrowers should confirm the APR/factor rate and any fees on the specific offer before signing.
Application Requirements
Requirements vary by product, but general baselines:
- Credit score: 620–625+ for term loans/lines; flexible programs go as low as ~550 (and MCA down to ~400)
- Time in business: ~1–2 years for most products (some programs accept ~6 months)
- Annual revenue: ~$100,000+
- Application: ~2 minutes, no documents required to start
Funding Speed
Approvals in minutes to 24 hours; funding as fast as 24 hours to ~3 business days for working-capital products. SBA loans take substantially longer (a month or more).
Reputation
Strong consumer sentiment: 4.9/5 on Trustpilot across 3,200+ reviews and an A+ rating with the Better Business Bureau (accredited since 2019). Reviews consistently praise responsive funding managers, the multiple-offer-from-one-application model, and approvals for borrowers declined elsewhere. As with any broker, the main caveats are that pricing isn't fully transparent upfront and cost depends on which partner lender funds the deal.
Customer Support
- Phone: 844-200-7201
- Email: info@bigthinkcapital.com
- Hours: Mon–Fri, 9am–6pm EST
- Offices: Melville, NY (HQ); Manhattan, NY; Aventura, FL
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Applying won’t affect credit score
- Loan Amounts: $5,000 to $250,000
- Average Yearly Revenue requirements: $100,000
- Minimum Credit Score: 625 FICO
- Minimum Time in Business to apply: 1 year