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BreadRoute Review
Blue Torch Capital
4.0Our Blue Torch Capital Review
Blue Torch Capital is a New York-based nonbank direct lender serving the U.S. middle market. Founded in 2017, it offers term loans and lines of credit ranging from $20 million to $200 million, structured on a bespoke basis for companies navigating growth, acquisitions, operational challenges, or financial distress. There is no stated credit score minimum and no minimum time in business — underwriting centers on business fundamentals. The $4 million monthly revenue floor means Blue Torch is built for established, revenue-generating companies that have outgrown conventional bank lending and need a lender comfortable with complexity and transition.
Who Is Blue Torch Capital Best For?
Based on eligibility requirements and available products.
- Businesses where credit score is not a primary factor
- New businesses with limited operating history
- Businesses with commercial real estate financing needs
- Businesses that need flexible, revolving access to capital
Financing Options
Eligibility Requirements
Get Started
Quick Overview
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Other Nonbank Lender lenders
Blue Torch Capital Pros & Cons
Pros
- No minimum credit score requirement
- Startup-friendly no seasoning requirement
- Lends nationwide
- High loan amounts available
Cons
- Requires $4,000,000+ in monthly revenue
Frequently Asked Questions
Blue Torch Capital offers financing in the range of $20 Million to $200 Million.
Blue Torch Capital does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.
Blue Torch Capital offers the following financing products: Line of Credit, Term Loan.
Blue Torch Capital requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Blue Torch Capital provides financing to businesses across the United States.
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