Mission Statement

Our mission is to fully inform business owners of their financing options and to assist our clients in obtaining funding in a timely manner.

The Big Think Advantage

Whether you need funding for your business, or are looking for a funding resource for your clients, Big Think Capital is here to help. You will find our funding offers to be highly competitive and significantly cheaper than traditional financing options due to our large lender pool and knowledgeable advisors.

Regardless of the size of the business, whether well-established with appreciable earnings or just starting out, with Big Think’s access to multiple lenders and funding options we can help you or your client obtain financing quickly and with the best possible terms. We are committed to helping business owners and industry professionals save valuable time and resources by providing a range of financing options through an easily accessible and transparent funding platform.

Our advisors work directly with referred clients or business owners to find the lending option that best suits their needs, providing flexible terms and conditions tailored to their business size and repayment capacity.

Business Loans

At Big Think, we’re not only dedicated to helping you get the financing your business needs, but to educating our clients on the various options available. In this section of our site, you’ll find extensive information on each type of loan available in plain English, not financialeze.

And, if you have questions or require further clarification, our Big Think advisors are ready and willing to help so please don’t hesitate to contact us.

icon sba

SBA Loans

A long term, low interest loan for the purchase of fixed assets such as real estate, equipment or machinery, expansion capital, funding the purchase of another business, or even, in some cases, refinancing other debts. SBA Loans are partially guaranteed by the government and therefore more attractive to lenders.

Loan Amount
$5,000 to $5.5 million
Term
5 to 25 Years
Interest Rate
6 - 13%
Time to Funding
As little as 30 days
term loans

Term Loans

A long term loan which is paid back with regular payments over time, including interest. This type of loan is extremely flexible and can be used for almost any business purpose. A mortgage is the best known example of a term loan.

Loan Amount
$25,000 to $500,000
Term
1 to 5 Years
Interest Rate
7 - 30%
Time to Funding
As little as 48 hours
icon equipment financing

Equipment Financing

A loan or lease specifically for the purchase of business equipment, where the equipment itself acts as collateral for the loan. Car loans and leases are a form of Equipment Financing.

Loan Amount
Up to 100% of equipment value
Term
Estimated life of the equipment
Interest Rate
8 - 30%
Time to Funding
As little as 48 hours
icon business loc

Business Line of Credit

A flexible credit line, usually with a bank or other financial institution, which can be used for any purpose up to the maximum loan balance. Not to be confused with business credit cards, business lines of credit often have lower interest rates, fewer fees, and more flexible payment options.

Loan Amount
$10,000 to $1 million
Term
6 months to 5 years
Interest Rate
7 - 25%
Time to Funding
As little as 48 hours
icon invoice financing

Invoice Financing

A loan against (Asset Based Loan) or purchase of (Invoice Factoring) accounts receivables. Invoice financing allows you to access quick cash against current unpaid invoices.

Loan Amount
50 – 90% of the value of your unpaid invoices
Term
Until invoices are paid, at which time you receive the balance minus the factoring fee
Interest Rate
About 3% plus a percentage per week of the outstanding balance
Time to Funding
As little as 24 hours
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Short Term Loans

A small loan, often from a credit union or other smaller financial institution, which usually must be repaid in two years or less, principal and interest. Has the advantage of less stringent loan requirements.

Loan Amount
$2,500 to $250,000
Term
3 – 18 months
Interest Rate
14% and up
Time to Funding
As little as 48 hours
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Merchant Cash Advance

Technically not a loan, but an advance on future credit or debit card sales. The lender often forms a partnership with credit card companies and collects a percentage of each sale. Payments are a percentage of each sale so repayment is not a burden when business is slow.

Loan Amount
$2500 to $250,000
Term
Until the advance amount is paid
Factor Rates
1.14 to 1.45
Time to Funding
As little as 24 hours
icon small business startup

Small Business Startup Loans

A variety of loan products which assist with launching or funding a small business, including business credit cards, credit line builders and equipment financing. In most cases, collateral will be required.

Loan Amount
Up to $150,000
Term
6 months – 4 years
Interest Rate
7.9 – 19.9%
Time to Funding
As little as 2 weeks
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Personal Loans for Business

A loan from a financial institution against personal assets (usually real estate) but where it is understood the funds will be used to finance small business operations. Has the disadvantage that if the business fails, you are still personally liable for the debt.

Loan Amount
Up to $100,000
Term
Up to 7 years
Interest Rate
4 to 36% APR
Time to Funding
As little as 4 days
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Why Big Think?

Zero Need for Credit Report

When you submit an application on our platform, we do not ask for credit reports from you or your client. We let the lender make the investment decision independently. Lenders use existing information on the application and other independently obtained information as yardsticks for investing. This way, borrowers are not denied access to critical business loans because of misleading credit report information.

Competitive Interest Rates

Unlike the exorbitant interest rates charged by banks and traditional creditors, borrowers get better deals on Big Think’s platform. This is because of the competitive bidding that goes into the funding of every requested business loan. Lenders compete for borrowers by offering attractive rates and loan requirements while borrowers can choose the most attractive loan offer option from the pool.

Simple, Time Saving Application Process

Unlike dealing with traditional lenders where loan application processes are often long and complex, the Big Think process is designed to be as easy and straightforward as possible.

  1. Submit a loan application to Big Think. We’ll assess the application and forward it to all appropriate lenders.
  2. Receive multiple offers from lenders and choose the best option. After we hear back from all interested lenders, we’ll package that information for you or your client in an easy-to-understand format.
  3. Loan Disbursement. After you’ve chosen the lender(s) you want to work with, we’ll manage the loan process with full transparency, from finalizing any required paperwork to disbursement of funds.

Spend on Your Terms

We do not dictate how loans should be spent or disbursed like banks, venture capitalists or angel investors. Clients can spend the money however they want and on whatever they want. We only put systems and processes in place to ensure that loans are repaid promptly and to protect the financial investments of our lending community.