.png&w=256&q=75)
BreadRoute Review
Specialty Capital
4.5Our Specialty Capital Review
Specialty Capital is a nonbank lender offering revenue-based financing, working capital, and merchant cash advances to businesses across the United States. Financing starts at $1 million, so this is geared toward established businesses looking for substantial capital — not starter or micro loans. Approvals can come within 24 hours, and early payment discounts give faster-repaying borrowers a way to reduce their overall cost. To qualify, you'll generally need at least one year in business, $20,000 in monthly revenue, and a credit score of 550 or higher. With over 400 customer reviews and a strong reputation among the businesses it serves, Specialty Capital appears well suited for owners who need significant working capital quickly and prefer an alternative to traditional bank financing.
Who Is Specialty Capital Best For?
Based on eligibility requirements and available products.
- Businesses with fair or rebuilding credit
- Businesses seeking larger financing amounts
Financing Options
Eligibility Requirements
Get Started
Compare Alternatives
Other Nonbank Lender lenders
Specialty Capital Pros & Cons
Pros
- Accepts fair or rebuilding credit
- Lends nationwide
- High loan amounts available
Cons
- Requires $20,000+ in monthly revenue
Frequently Asked Questions
Specialty Capital offers financing in the range of $1 Million+.
Specialty Capital typically requires a minimum credit score of 550. Businesses with scores above this threshold are more likely to qualify for favorable terms.
Specialty Capital offers the following financing products: Revenue-based Financing, Working Capital, Merchant Cash Advance.
Specialty Capital requires a minimum of 1 Year in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Specialty Capital provides financing to businesses across the United States.
Claim Specialty Capital Profile
Are you a representative of Specialty Capital? Claim this profile to verify your information, update details, or request changes to your listing.
For immediate assistance, please contact us at howdy@breadroute.co