Capital Loan Specialist Review for 2025
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Capital Loan Specialist is a newly launched small business financing marketplace, created with the aim of connecting small business entrepreneurs with the capital they need to grow.
With flexible loan terms and fast approval times, along with a simplified borrowing process, it can be a solid alternative to traditional banks and lenders.
Funding in 24 hours
Fortunly Rating
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
Strengths
- Wide range of loan products
- High funding limits
- Fast approvals and funding
- Flexible repayment terms
- Multiple lenders for IG comparison
Weaknesses
- No 24/7 customer support
Company Overview
Capital Loan Specialist is a lending marketplace launched in 2025. The company acts as a loan broker, connecting business owners with a variety of lenders to get the best offer possible.
Available to potential borrowers nationwide, Capital Loan Specialist can be the right choice for those having problems finding funding from traditional banks.
Loan Products and Services
There is a diverse set of business financing solutions available here, making Capital Loan Specialist a one-stop shop for most of the financing needs of established businesses.
For starters, the marketplace features invoice factoring and invoice financing, allowing you to leverage unpaid invoices to gain quick access to working capital.
The lender also features equipment and inventory financing, for those looking to purchase inventory or equipment for their businesses without tying up their cash flow.
There is also purchase order financing for those looking to fulfill larger orders.
The more widely used lending options include business lines of credit, which provide ongoing access to funds, as well as business term loans, asset-based loans and bridge loans.
Capital Loan Specialist also works with lenders providing SBA loans, which are government-backed loans that offer more favorable terms and lower interest rates.
The types of SBA loans available here are: SBA 7(a), SBA 504, SBA Express and SBA Microloans.
Qualification Requirements
The main eligibility criteria to point out here is the fact that Capital Loan Specialist accepts borrowers with at least one year in business.
This means that startups are ineligible for funding here, and that only established businesses can apply.
Also, the company sets its minimum credit score requirement to 650, accepting only business owners with good credit scores.
The minimum monthly revenue is also set at $20,000, so your business has to be proven as a success if you want to look for a loan here.
Aside from startups, Capital Loan Specialist also does not fund any businesses in the cannabis or adult industries.
Application Process
The way that Capital Loan Specialist streamlines the application process is pretty great. You can start the process with a single click and go through a list of questions about your business, the industry it operates in, your credit score and revenue, desired loan amount and the state you operate in.
After you finish with the questionnaire, you will receive a list of loan offers tailored to your specific needs, and the entire process can be done in as little as a few minutes.
Capital Loan Specialist also prides itself on quick loan approvals, as loans are often approved within 24 hours, while the funds are disbursed as fast as the next business day.
Customer Support and Experience
In times when a growing number of online lenders is fully automating the lending process, Capital Loan Specialist stands out with its personalized, customer-centric approach.
The company provides expert guidance and hands-on support throughout the entire loan application process, ensuring that you get a full understanding of the terms, fees and repayment structures before committing to a loan.
Capital Loan Specialist also offers multi-channel customer support, which can be reached via email, phone or online forms, and the support staff is available during business hours.
Final Verdict
All things considered, Capital Loan Specialist stands out with its broad selection of loan products, quick turnaround times and personalized approach to borrowing, making the company a strong alternative to direct lenders and traditional banks.
If you have a somewhat solid credit score, a proven history of revenue and if your business has been operational for at least one year, then this might be the right place to go to for your business financing needs.