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Balboa Capital

|Nonbank Lender|United States
Up to $500,000
Loan Amount
620+
Credit Score
$100,000
Monthly Revenue
1 Year
Time in Business

Our Balboa Capital Review

4.0/ 5.0How we rate

Balboa Capital, a division of Ameris Bank, is a top-rated business lender that has delivered over $8 billion in funding nationwide.

Who Is Balboa Capital Best For?

Based on eligibility requirements and available products.

  • Businesses with good (but not perfect) credit
  • Businesses that need equipment or machinery financing
  • Established businesses that qualify for SBA programs

Financing Options

Equipment Finance
SBA 7(a)
SBA 504
Term Loan

Eligibility Requirements

Time in Business
1 Year
Minimum Credit Score
620
Minimum Monthly Revenue
$100,000

Quick Overview

Loan AmountUp to $500,000
GeographyUnited States
DoughRating
Products4

Balboa Capital Pros & Cons

Pros

  • Accepts fair or rebuilding credit
  • Lends nationwide
  • Wide range of financing products

Cons

  • Requires $100,000+ in monthly revenue

Frequently Asked Questions

Balboa Capital offers financing in the range of Up to $500,000.

Balboa Capital typically requires a minimum credit score of 620. Businesses with scores above this threshold are more likely to qualify for favorable terms.

Balboa Capital offers the following financing products: Equipment Finance, SBA 7(a), SBA 504, Term Loan.

Balboa Capital requires a minimum of 1 Year in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.

Balboa Capital provides financing to businesses across the United States.

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Balboa Capital Review (2026) | Equipment Finance Lender | BreadRoute