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BreadRoute Review
Change Capital
3.5Our Change Capital Review
Change Capital is a New York-based nonbank lender serving middle-market businesses across the United States. Its lending vertical covers subordinated debt, bridge financing, mezzanine capital, lines of credit, sponsor finance, and DIP financing — with deal sizes from $50,000 to $5 million and no stated minimum time in business or credit score requirement. The firm leads with structuring speed and deal certainty, combining traditional credit analysis with technology to build bespoke financing solutions. A good fit if you're an established or transitional business that needs flexible, non-commodity capital and values a lender that can move quickly without sacrificing structure.
Who Is Change 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
3.5Compare Alternatives
Other Nonbank Lender lenders
Change Capital Pros & Cons
Pros
- No minimum credit score requirement
- Startup-friendly no seasoning requirement
- Lends nationwide
- High loan amounts available
- Wide range of financing products
Frequently Asked Questions
Change Capital offers financing in the range of $50,000 to $5 Million.
Change Capital does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.
Change Capital offers the following financing products: Sponsor Finance, Mezzanine Capital, Bridge Capital, Line of Credit, Term Loan.
Change Capital requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Change Capital provides financing to businesses across the United States.
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