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Big Think Capital

|Nonbank Lender|United States
Up to $10 Million
Loan Amount
500 +
Credit Score
$10,000
Monthly Revenue
6 Months
Time in Business

Our Big Think Capital Review

4.0/ 5.0How we rate

Big Think Capital is a nonbank financial marketplace headquartered in Melville, NY, built to connect small businesses with a wide range of funding options through a single point of contact. Its product menu spans working capital, term loans, equipment finance, invoice factoring, accounts receivable financing, asset-based lending, revenue-based financing, merchant cash advances, bridge capital, commercial real estate financing, and SBA 7(a) loans — with amounts up to $10 million. The company emphasizes transparency and guided access across multiple funding sources rather than pushing a single in-house product. Customers report competitive pricing, responsive service, and repeat use — a solid reputation among the businesses it serves. Minimum credit score, revenue, and time-in-business requirements aren't publicly listed, so plan to connect directly to confirm eligibility. A good fit if you want broad product access without shopping multiple lenders on your own.

Who Is Big Think Capital Best For?

Based on eligibility requirements and available products.

  • Businesses with fair or rebuilding credit
  • Businesses that need equipment or machinery financing
  • B2B businesses with outstanding invoices to unlock
  • Established businesses that qualify for SBA programs

Financing Options

Equipment Finance
Asset-based Lending
Revenue-based Financing
Accounts Receivable
Working Capital
SBA 7(a)
Commercial Real Estate Financing
Merchant Cash Advance
Bridge Capital
Invoice Factoring
Term Loan

Eligibility Requirements

Requirements vary by loan type. Expand each product to see its specific minimums.

Working Capital
Min Credit Score: 500+
Time in Business: 6+ months
Min Monthly Revenue: $10,000/mo
Equipment Financing
Min Credit Score: 600+
Time in Business: 12+ months
Min Annual Revenue: $120,000/yr
SBA Loan
Min Credit Score: 640+
Time in Business: 2 years
Min Net Profit: $1
Min Gross Profit: $50,000
Business Term Loan
Min Credit Score: 660+
Time in Business: 1+ year
Min Annual Revenue: $100,000/yr
Business Line of Credit
No minimum credit score
Time in Business: 6+ months
Min Annual Revenue: $120,000/yr

No minimum credit score required

Commercial Real Estate Loan
No minimum credit score
Time in Business: 2+ years
Invoice Factoring
No minimum credit score
Time in Business: 3+ months
Min Annual Revenue: $240,000/yr

No minimum FICO required

Get Started

See My Loan Options

Free · Won't affect your credit score

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Quick Overview

Loan AmountUp to $10 Million
GeographyUnited States
DoughRating
Products11

Big Think Capital Pros & Cons

Pros

  • Accepts fair or rebuilding credit
  • Lends nationwide
  • High loan amounts available
  • Wide range of financing products

Frequently Asked Questions

Big Think Capital offers financing in the range of Up to $10 Million.

Big Think Capital typically requires a minimum credit score of 500 . Businesses with scores above this threshold are more likely to qualify for favorable terms.

Big Think Capital offers the following financing products: Equipment Finance, Asset-based Lending, Revenue-based Financing, Accounts Receivable, Working Capital, SBA 7(a), Commercial Real Estate Financing, Merchant Cash Advance, Bridge Capital, Invoice Factoring, Term Loan.

Big Think Capital requires a minimum of 6 Months in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.

Big Think Capital provides financing to businesses across the United States.

Claim Big Think Capital Profile

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Big Think Capital Review (2026) | Equipment Finance Lender | BreadRoute