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BreadRoute Review
Balboa Capital
4.0Our Balboa Capital Review
Balboa Capital is a national nonbank lender operating as a division of Ameris Bank, with more than $8 billion in funding delivered to businesses across the country. It offers equipment, technology, vehicle, vendor, and franchise financing alongside small business term loans and SBA 7(a) and 504 loans — all through an online platform built for speed. Financing is available up to $500,000. Applicants typically need at least one year in business, a credit score of 620 or higher, and $100,000 in monthly revenue. Backed by an established institutional parent and carrying a strong reputation among the businesses it serves, Balboa Capital is a solid fit for owners who want equipment or SBA financing without the pace of a traditional bank process.
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
Eligibility Requirements
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Other Nonbank Lender lenders
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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