How do we find the capital we need for our business?
Business owners ponder this question when they seek a reliable source of capital to sustain their business or fuel growth. When faced with inadequate cash flow, they must find the lenders offering the solution that best fits their needs, but too often without a map or compass.
Big Think Capital can point them in the right direction. A financial marketplace, it acts as a guide in their journey to secure funding while championing their best interests. It is the ultimate access point for vast informational resources to make informed borrowing decisions. The firm’s transparent, multi-service funding platform connects business owners to a host of lenders, financial products, and programs, significantly shortening their search for funds and increasing their chances of securing the right funding for their business.
Through a hands-on, client-centric approach, it empowers businesses with insights to recognize and select appropriate funding avenues, secure the right type of loan, and determine the ideal time to borrow, ensuring a smooth financial journey and positive long-term outcomes. In tandem with clients, the firm is also growing by leaps and bounds. Equipped with best practices and an experienced team, Big Think Capital is on a mission to expand its headcount and product palette. This includes adding more tools and features to its platform and investing in advanced technology and digital assets to become a one-stop shop for clients.
Big Think Capital’s unique capabilities and client-first approach are widely acknowledged. The company consistently earns five-star ratings, the highest in the financial services sector, with nearly 2,500 clients providing positive reviews on Trustpilot.
Advocating for Small Business Owners
David Brown, the company’s president, began his career as an attorney, eventually transitioning to mortgage banking and then financial sales. Entering the heavily commoditized business lending space, he established Big Think Capital. The firm is rooted in his distinct vision of applying to it the advocacy mindset he acquired during his lawyering days. Instead of simply facilitating borrowing for borrowing’s sake, Big Think Capital stands out by promoting intelligent borrowing. It ensures that funding efforts prove beneficial for businesses, solving their working capital and cash flow problems, creating growth opportunities, and generating returns.
“Ultimately, the product we provide is money,” says Brown. “Our goal therefore is to make sure our clients understand the nuances and dimensions of funding so they can put themselves in a position where borrowing money makes sense for their business.”
The Big Think Capital team of funding professionals brings deep knowledge of financial products and access to lending sources that fulfill the needs of growing businesses. They are well-versed in the various products on the market and understand their specific benefits and risks. This allows them to match the client’s objectives with the most suitable product. Keen on building long-term relationships, they enable clients to make informed borrowing decisions, even if it means advising them to wait until circumstances are more favorable.
Clients recognize Big Think Capital’s efforts to deliver the best borrowing advice and financing avenues, which is reflected in its client retention rate; one out of two clients return for additional funding with Big Think Capital. This level of loyalty and brand affinity is unprecedented in the industry, speaking volumes about the firm’s commitment to delivering exceptional value and heightened client experiences.
“We make sure businesses understand the specific nuances and dimensions of funding so they can put themselves in a position where borrowing money makes sense.
David Brown
President, Big Think Capital
Delivering Expertise and Holistic Guidance
A product-agnostic, two-step approach defines Big Think Capital’s distinct process for delivering robust funding support. It prompts clients to think critically about their financial situations and gain clarity—a philosophy that serves as its team’s guiding principle. It uncovers clients’ true needs through a series of questions, unraveling their pain points and plans, which is the first step.
Whether it is generic or specific financial needs like business expansion, increasing production, or debt repayment, the firm enables clients to understand the intricacies of their borrowing objectives. This is crucial when seeking funds for growth, where objectives need to be clearly defined in terms of hiring, marketing, salary increases, product diversification, or inventory procurement. By delving into these particulars, clients can better refine their financing requests to align with their business goals and select the right product, optimizing the impact of borrowed funds.
In the second step, the team identifies and explains the available financial products, programs, and financing options that meet the client’s requirements and circumstances. This involves discussing the pros and cons of the findings in an unbiased, interactive, and consultative manner. Clients are encouraged to analyze the information and make informed borrowing decisions, with the firm stepping in to facilitate progress once a suitable solution is selected.
The driving force behind the firm’s endeavors is a strong commitment to prioritizing the client’s needs and experiences, bringing a sense of trust, familiarity, and integrity amid the highly competitive arena of business lending.
Going above and beyond to ensure a client’s growth needs are fulfilled is a hallmark of Big Think Capital. This is best showcased in a recent engagement with a local mom-and-pop e-commerce retailer that needed working capital to expand its inventory and win contracts with a retail giant like Walmart. Since Walmart has 60- to 90-day payable policies, the business needed adequate cash flow to fund the inventory upgrade without digging into their existing operational cash. Big Think Capital evaluated the client’s inventory expansion, and its supply purchasing and goods transportation needs. The findings indicated the business was able to borrow $100,000, which enabled it to produce the required inventory and stock the shelves in a Walmart store. It is now on the way to scaling its business, which will enable it to manufacture and supply more products to stores—all thanks to the initial, short-term working capital infusion made possible by Big Think Capital.
Committing to Ideal Client Experience
A deep understanding of the need to humanize the often sterile, transactional outlook of business lending underpins Big Think Capital’s approach.
“Borrowing money is a dynamic transaction that is very personal and emotional. There needs to be sensitivity, understanding, and a human connection between the company providing the service and the one applying for it,” says Brown.
True to this ethos, the team focuses on understanding the reasons behind borrowing and its impact, recognizing that borrowing for business purposes can have a ripple effect on a client’s personal life. All the while, they remain sensitive to the situation that warranted the capital.
To further ensure the best client experience, the company’s multi-service model allows clients to select the level of support and guidance they require along the process. From a complete ‘do-it-yourself’ digital option, through an expert-guided experience, and to full white-glove support, clients can choose the option that fits them best.
“We are keenly aware that our clients come to us with different levels of comfort as borrowers and different purchasing styles and preferences as individuals,” says Ami Dviri, chief marketing officer. “That’s why we make sure we meet them where they are in their journey and in the way they would each like to be supported.”
Advocacy for clients is Big Think Capital’s primary goal. It believes strongly in supporting businesses that are on the verge of qualifying for a specific financing product. The aim is to persuade lenders to be open-minded and give these businesses a chance, especially if they’ve faced challenges or made mistakes in the past and are seeking an opportunity to turn things around. The team conveys each client’s message and vision to lending sources, helping them secure the required financial support.
Taking client advocacy further, it gives back to the community by supporting small businesses, the cornerstone of the local economy. It undertakes the task of dispelling possible lending myths these businesses might harbor, increases capital access for underserved communities, and contributes to the community by emphasizing the human element in business loans.
In all this, Big Think Capital doesn’t lose sight of its ultimate goal of evolving as a holistic marketplace for business lending. It is driven to instill confidence in business owners, who can depend on the firm to provide an arsenal of financial products and funding support that will take their enterprises to the next level.
