Small Business Loans From the Team That's
Funded $1.5B+
SBA loans, term loans, lines of credit, equipment financing, working capital — compared across 40+ lender partners. Decisions in 24 hours, funding in as little as 3 business days.
Get matched in minutes
No hard credit pull · No obligation · 2-minute application
Why Big Think Capital
Transparent Pricing
Real rates, real terms, no surprise fees.
Fast Decisions
Approvals in minutes; funding as fast as 24 hours.
10+ Funding Products
From SBA loans to working capital — we match you to the right product.
Dedicated Advisors
Real humans who know small business finance, not bots.
Funding Solutions for Every Business
From SBA loans to invoice factoring, we offer 10+ funding products tailored to your business stage, industry, and needs.
SBA Loans
Tailored federal-backed loans for business growth and expansion.
Learn more →Term Loans
Fixed-rate loans for immediate, large-scale business needs.
Learn more →Business Line of Credit
Flexible credit access for ongoing business expenses.
Learn more →Working Capital
Short-term funding to manage daily business operations.
Learn more →Equipment Financing
Funding for purchasing or leasing business equipment.
Learn more →Invoice Factoring
Convert unpaid invoices into immediate working capital.
Learn more →How it works
Three steps from application to funding.
Apply online in 2 minutes
Tell us about your business and funding needs. No documents required to start.
Get matched & receive offers
We compare offers from 75+ lenders and present your best options within hours.
Get funded fast
Choose your offer and receive funds in as little as 24 hours after final approval.
What our clients say
Real reviews from business owners we've helped fund.
Real businesses. Real results.
Brooklyn Cafe Doubles Locations with Equipment Financing
Food & BeverageHow a Brooklyn cafe owner financed a second location and full kitchen build-out in 5 days.
Tri-State Construction Smooths Cash Flow With a $250K Line
ConstructionWhy a revolving line of credit was the right answer for project-based payment cycles.
Frequently Asked Questions
Quick answers to the questions we hear most often.
I have questions. Who can I contact for help?+
Reach out to us at info@bigthinkcapital.com or call 844-200-7201 — we'll respond as soon as we can during business hours (Mon–Fri, 9am–6pm EST).
Where is Big Think Capital located?+
Our main office is at 201 Old Country Road, Melville, NY 11747. We also have offices at 1450 Broadway, New York, NY 10018 and 21500 Biscayne Blvd, Aventura, FL 33180. We serve clients across all 50 states.
What industries does Big Think Capital serve?+
We serve businesses across virtually every industry — restaurants, retail, ecommerce, construction, healthcare, trucking, manufacturing, professional services, real estate, staffing, technology, franchises, and independent contractors across all 50 states.
Will it impact my credit score to fill out a Big Think Capital application?+
No. Unlike applying for a new credit card or loan, filling out a Big Think Capital application does not result in a hard inquiry on your credit. You can get started on your application worry-free.
How will my credit score impact my lending options?+
At Big Think Capital, we understand that one of the major problems business owners encounter is rejection due to credit history. We seek to fix that problem by helping you find a lending option that works. Whether you have good credit, bad credit, or no credit, we'll help you find a solution.
If I have bad credit, can I still apply?+
Yes. We welcome applicants with all different credit scores. Big Think Capital will work with you to find a lending option that suits your needs regardless of your credit history.
Latest insights
Working Capital vs. Line of Credit: Which Is Right for Your Business?
Compare two of the most flexible funding products and learn which fits your cash-flow needs.
SBA_LOANSHow to Qualify for an SBA Loan in 2026
Complete eligibility guide for SBA 7(a), 504, and Microloan programs.
EQUIPMENTThe Tax Benefits of Equipment Financing You Might Be Missing
Section 179 deductions, bonus depreciation, and how to maximize your write-off.
Ready to grow your business?
Get matched with the best funding options in minutes. No hard credit pull, no obligation.
- Approvals in as little as 24 hours
- Funding from $10K to $10M+
- No hard credit pull to apply
- Dedicated funding expert assigned to you