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Change Capital

|Nonbank Lender|United States
$50,000 to $5 Million
Loan Amount
No Minimum
Monthly Revenue
No Minimum Time in Business
Time in Business

Our Change Capital Review

4.0/ 5.0How we rate

Change Capital's lending vertical primarily focuses on providing subordinated and bridge financing to middle-market companies. We utilize rigorous traditional analysis powered by technology and experience to provide bespoke deal structures at unorthodox speed with certainty-to-close. Change Capital's investing vertical focuses on strategic partnerships with companies with high-growth potential and differentiated market positions led by strong management teams. We seek to create maximum sustainable value for our investors and communities.

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

Sponsor Finance
Mezzanine Capital
Bridge Capital
Line of Credit
Term Loan

Eligibility Requirements

Time in Business
No Minimum Time in Business
Minimum Monthly Revenue
No Minimum

Quick Overview

Loan Amount$50,000 to $5 Million
GeographyUnited States
DoughRating
Products5

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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Change Capital Review (2026) | Sponsor Finance Lender | BreadRoute